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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 | $68,268 | $106,280-35.8% | $96,538-29.3% | $139,487-51.1% |
| Participation rate | 63.2% | 77.8%-14.7pp | 74.3%-11.2pp | 80.3%-17.2pp |
| Annual return | 17.73% | 38.48%-20.8pp | 35.74%-18.0pp | 373.84%-356.1pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,740-100.0% | $4,755-100.0% |
| Participant deferral / active EE | $4,390 | $5,457-19.6% | $4,880-10.0% | $6,713-34.6% |
| Admin fee / account holder | $1,607 | $7,888-79.6% | $6,737-76.1% | $11,407-85.9% |