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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 | $69,922 | $142,354-50.9% | $125,529-44.3% | $155,188-54.9% |
| Participation rate | 50.0% | 78.1%-28.1pp | 74.7%-24.7pp | 80.8%-30.8pp |
| Annual return | 6.21% | 306.06%-299.9pp | 202.56%-196.4pp | 148.84%-142.6pp |
| Employer contribution / active EE | $12 | $3,501-99.7% | $3,058-99.6% | $4,248-99.7% |
| Participant deferral / active EE | $2,275 | $5,491-58.6% | $4,813-52.7% | $6,531-65.2% |
| Admin fee / account holder | $23,405 | $19,392+20.7% | $16,298+43.6% | $14,480+61.6% |