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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 | $51,424 | $176,120-70.8% | $159,487-67.8% | $167,553-69.3% |
| Participation rate | 60.0% | 85.0%-25.0pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 12.38% | 331.95%-319.6pp | 263.71%-251.3pp | 478.89%-466.5pp |
| Employer contribution / active EE | -$19 | $5,299-100.4% | $4,831-100.4% | $4,840-100.4% |
| Participant deferral / active EE | $3,442 | $7,752-55.6% | $7,354-53.2% | $6,343-45.7% |
| Admin fee / account holder | $6,016 | $12,561-52.1% | $10,804-44.3% | $12,316-51.2% |