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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 | $32,039 | $111,814-71.3% | $93,654-65.8% | $145,959-78.0% |
| Participation rate | 57.1% | 74.2%-17.1pp | 68.7%-11.6pp | 80.3%-23.1pp |
| Annual return | 12.79% | 203.30%-190.5pp | 133.34%-120.5pp | 561.95%-549.2pp |
| Employer contribution / active EE | $0 | $3,092-100.0% | $2,421-100.0% | $4,661-100.0% |
| Participant deferral / active EE | $1,468 | $4,914-70.1% | $4,413-66.7% | $6,689-78.1% |
| Admin fee / account holder | $757 | $10,246-92.6% | $8,282-90.9% | $13,398-94.4% |