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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 | $82,663 | $100,970-18.1% | $96,576-14.4% | $137,256-39.8% |
| Participation rate | 50.0% | 82.6%-32.6pp | 81.4%-31.4pp | 80.0%-30.0pp |
| Annual return | 25.49% | 38.16%-12.7pp | 38.47%-13.0pp | 220.34%-194.8pp |
| Employer contribution / active EE | $0 | $3,809-100.0% | $3,553-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $14,747 | $8,286+78.0% | $7,956+85.3% | $6,407+130.2% |
| Admin fee / account holder | $418 | $11,312-96.3% | $11,381-96.3% | $12,270-96.6% |