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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 | $30,280 | $148,582-79.6% | $135,942-77.7% | $139,456-78.3% |
| Participation rate | 69.6% | 83.9%-14.3pp | 81.9%-12.3pp | 80.3%-10.8pp |
| Annual return | 52.79% | 79.26%-26.5pp | 68.28%-15.5pp | 373.45%-320.7pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,858-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $5,728 | $8,101-29.3% | $7,759-26.2% | $6,711-14.7% |
| Admin fee / account holder | $4,540 | $12,402-63.4% | $10,764-57.8% | $11,407-60.2% |