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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 | $23,586 | $150,412-84.3% | $120,574-80.4% | $145,884-83.8% |
| Participation rate | 50.0% | 78.8%-28.8pp | 71.9%-21.9pp | 80.3%-30.3pp |
| Annual return | 18.62% | 154.50%-135.9pp | 107.42%-88.8pp | 551.85%-533.2pp |
| Employer contribution / active EE | $0 | $4,355-100.0% | $3,471-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,414 | $6,175-60.9% | $4,996-51.7% | $6,690-63.9% |
| Admin fee / account holder | $1,434 | $12,224-88.3% | $9,445-84.8% | $13,392-89.3% |