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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 | $65,301 | $100,203-34.8% | $85,240-23.4% | $145,897-55.2% |
| Participation rate | 39.1% | 74.1%-35.0pp | 67.5%-28.4pp | 80.3%-41.2pp |
| Annual return | 17.70% | 84.28%-66.6pp | 66.75%-49.1pp | 552.29%-534.6pp |
| Employer contribution / active EE | $0 | $3,242-100.0% | $2,735-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,836 | $5,299-27.6% | $4,527-15.3% | $6,689-42.7% |
| Admin fee / account holder | $45,862 | $7,265+531.3% | $6,165+643.9% | $13,390+242.5% |