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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 | $44,198 | $148,623-70.3% | $135,974-67.5% | $139,466-68.3% |
| Participation rate | 69.2% | 83.9%-14.6pp | 81.9%-12.7pp | 80.3%-11.1pp |
| Annual return | 20.08% | 79.30%-59.2pp | 68.30%-48.2pp | 373.66%-353.6pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,859-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $14,173 | $8,103+74.9% | $7,760+82.6% | $6,712+111.2% |
| Admin fee / account holder | $3,750 | $12,406-69.8% | $10,767-65.2% | $11,409-67.1% |