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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 | $58,299 | $160,040-63.6% | $147,096-60.4% | $145,877-60.0% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 12.04% | 98.49%-86.5pp | 419.75%-407.7pp | 551.28%-539.2pp |
| Employer contribution / active EE | $0 | $5,289-100.0% | $4,936-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $11,107 | $8,429+31.8% | $8,071+37.6% | $6,691+66.0% |
| Admin fee / account holder | $15,383 | $15,050+2.2% | $13,005+18.3% | $13,402+14.8% |