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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 | $125,833 | $154,193-18.4% | $130,045-3.2% | $139,466-9.8% |
| Participation rate | 38.5% | 82.0%-43.5pp | 78.5%-40.0pp | 80.3%-41.9pp |
| Annual return | 12.32% | 32.51%-20.2pp | -137.30%+149.6pp | 373.66%-361.3pp |
| Employer contribution / active EE | $0 | $5,292-100.0% | $4,321-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $2,382 | $6,709-64.5% | $5,820-59.1% | $6,712-64.5% |
| Admin fee / account holder | $60,260 | $13,989+330.8% | $10,600+468.5% | $11,409+428.2% |