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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 | $77,371 | $125,184-38.2% | $105,607-26.7% | $145,884-47.0% |
| Participation rate | 61.9% | 77.6%-15.7pp | 75.3%-13.4pp | 80.3%-18.4pp |
| Annual return | 11.14% | 225.00%-213.9pp | 116.11%-105.0pp | 551.85%-540.7pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,828 | $5,714-50.5% | $5,011-43.6% | $6,690-57.7% |
| Admin fee / account holder | $29,270 | $17,133+70.8% | $10,958+167.1% | $13,392+118.6% |