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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,730 | $117,426-45.7% | $99,470-35.9% | $152,885-58.3% |
| Participation rate | 50.0% | 77.5%-27.5pp | 73.8%-23.8pp | 82.5%-32.5pp |
| Annual return | 25.44% | 31.87%-6.4pp | 30.72%-5.3pp | 345.39%-319.9pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $2,540-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $907 | $4,086-77.8% | $3,619-74.9% | $5,851-84.5% |
| Admin fee / account holder | $685 | $7,634-91.0% | $6,252-89.0% | $11,598-94.1% |