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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 | $69,091 | $102,385-32.5% | $147,080-53.0% | $80,935-14.6% |
| Participation rate | 37.9% | 75.9%-37.9pp | 82.2%-44.3pp | 67.7%-29.7pp |
| Annual return | 13.92% | 135.09%-121.2pp | 420.17%-406.2pp | 35.66%-21.7pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,933-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,540 | $6,651-31.7% | $8,066-43.7% | $4,299+5.6% |
| Admin fee / account holder | $940 | $7,951-88.2% | $12,989-92.8% | $6,924-86.4% |