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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 | $138,045 | $166,268-17.0% | $165,100-16.4% | $145,897-5.4% |
| Participation rate | 30.8% | 82.0%-51.3pp | 78.6%-47.9pp | 80.3%-49.5pp |
| Annual return | 12.51% | 100.52%-88.0pp | 70.21%-57.7pp | 552.29%-539.8pp |
| Employer contribution / active EE | $0 | $5,284-100.0% | $4,348-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,058 | $6,964-70.5% | $6,035-65.9% | $6,689-69.2% |
| Admin fee / account holder | $56,331 | $16,659+238.1% | $12,696+343.7% | $13,390+320.7% |