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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 | $79,798 | $116,203-31.3% | $93,621-14.8% | $152,897-47.8% |
| Participation rate | 33.3% | 78.1%-44.7pp | 75.8%-42.5pp | 82.5%-49.1pp |
| Annual return | 20.77% | 35.96%-15.2pp | 32.76%-12.0pp | 345.43%-324.7pp |
| Employer contribution / active EE | $0 | $3,219-100.0% | $2,719-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $2,837 | $4,605-38.4% | $4,070-30.3% | $5,851-51.5% |
| Admin fee / account holder | $10,135 | $10,751-5.7% | $7,890+28.5% | $11,599-12.6% |