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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 | $62,838 | $91,179-31.1% | $178,499-64.8% | $79,852-21.3% |
| Participation rate | 19.6% | 69.2%-49.6pp | 81.9%-62.3pp | 69.6%-50.0pp |
| Annual return | 15.46% | 24.19%-8.7pp | 151.10%-135.6pp | 31.72%-16.3pp |
| Employer contribution / active EE | $0 | $3,256-100.0% | $5,011-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $1,573 | $3,236-51.4% | $5,202-69.8% | $3,740-57.9% |
| Admin fee / account holder | $1,584 | $6,749-76.5% | $13,986-88.7% | $5,306-70.2% |