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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 | $100,139-34.8% | $85,187-23.3% | $145,884-55.2% |
| Participation rate | 39.1% | 74.1%-35.0pp | 67.5%-28.4pp | 80.3%-41.2pp |
| Annual return | 17.70% | 84.15%-66.5pp | 66.67%-49.0pp | 551.85%-534.2pp |
| Employer contribution / active EE | $0 | $3,238-100.0% | $2,732-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $3,836 | $5,296-27.6% | $4,525-15.2% | $6,690-42.7% |
| Admin fee / account holder | $45,862 | $7,262+531.5% | $6,162+644.3% | $13,392+242.5% |