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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 | $87,524 | $114,093-23.3% | $96,171-9.0% | $167,536-47.8% |
| Participation rate | 42.9% | 75.1%-32.2pp | 68.4%-25.6pp | 82.1%-39.3pp |
| Annual return | 21.04% | 190.00%-169.0pp | 192.04%-171.0pp | 478.82%-457.8pp |
| Employer contribution / active EE | $0 | $3,429-100.0% | $2,799-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $3,744 | $5,197-27.9% | $4,350-13.9% | $6,342-41.0% |
| Admin fee / account holder | $626 | $6,899-90.9% | $5,538-88.7% | $12,315-94.9% |