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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 | $37,968 | $232,540-83.7% | $185,117-79.5% | $147,586-74.3% |
| Participation rate | 41.2% | 82.4%-41.2pp | 77.3%-36.1pp | 82.8%-41.7pp |
| Annual return | 76.41% | 43.03%+33.4pp | 40.50%+35.9pp | 578.59%-502.2pp |
| Employer contribution / active EE | $0 | $5,195-100.0% | $4,182-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $6,336 | $5,834+8.6% | $5,045+25.6% | $5,439+16.5% |
| Admin fee / account holder | $5,731 | $10,275-44.2% | $8,159-29.8% | $10,886-47.4% |