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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 | $148,623-79.6% | $135,974-77.7% | $139,466-78.3% |
| Participation rate | 69.6% | 83.9%-14.3pp | 81.9%-12.4pp | 80.3%-10.8pp |
| Annual return | 52.79% | 79.30%-26.5pp | 68.30%-15.5pp | 373.66%-320.9pp |
| Employer contribution / active EE | $0 | $5,246-100.0% | $4,859-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $5,728 | $8,103-29.3% | $7,760-26.2% | $6,712-14.7% |
| Admin fee / account holder | $4,540 | $12,406-63.4% | $10,767-57.8% | $11,409-60.2% |