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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 | $27,438 | $108,942-74.8% | $100,415-72.7% | $145,897-81.2% |
| Participation rate | 66.7% | 83.0%-16.3pp | 81.5%-14.9pp | 80.3%-13.6pp |
| Annual return | 12.54% | 58.27%-45.7pp | 49.47%-36.9pp | 552.29%-539.8pp |
| Employer contribution / active EE | $0 | $4,422-100.0% | $3,943-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $4,521 | $8,461-46.6% | $8,091-44.1% | $6,689-32.4% |
| Admin fee / account holder | $2,687 | $9,702-72.3% | $7,906-66.0% | $13,390-79.9% |