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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 | $28,341 | $226,135-87.5% | $182,558-84.5% | $152,909-81.5% |
| Participation rate | 28.6% | 82.5%-53.9pp | 78.0%-49.4pp | 82.5%-53.9pp |
| Annual return | 37.54% | 192.60%-155.1pp | 148.59%-111.0pp | 345.46%-307.9pp |
| Employer contribution / active EE | $0 | $4,979-100.0% | $4,076-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,734 | $6,371-25.7% | $5,526-14.3% | $5,851-19.1% |
| Admin fee / account holder | $454 | $10,707-95.8% | $8,594-94.7% | $11,601-96.1% |