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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 | $66,497 | $115,814-42.6% | $101,275-34.3% | $158,982-58.2% |
| Participation rate | 55.6% | 79.4%-23.8pp | 75.8%-20.3pp | 82.0%-26.4pp |
| Annual return | 10.90% | 56.16%-45.3pp | 46.48%-35.6pp | 302.99%-292.1pp |
| Employer contribution / active EE | $0 | $4,176-100.0% | $3,660-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $5,211 | $4,958+5.1% | $4,371+19.2% | $5,983-12.9% |
| Admin fee / account holder | $1,213 | $7,249-83.3% | $5,948-79.6% | $11,252-89.2% |