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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 | $89,189 | $49,897+78.7% | $80,648+10.6% | $75,177+18.6% |
| Participation rate | 36.0% | 55.3%-19.3pp | 67.0%-31.0pp | 67.2%-31.2pp |
| Annual return | 19.60% | 34.68%-15.1pp | 937.21%-917.6pp | 160.75%-141.2pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,724-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,549 | $2,992+18.6% | $4,443-20.1% | $4,126-14.0% |
| Admin fee / account holder | $7,491 | $3,579+109.3% | $5,382+39.2% | $5,651+32.5% |