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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 | $81,454 | $171,492-52.5% | $150,734-46.0% | $198,609-59.0% |
| Participation rate | 23.5% | 81.4%-57.9pp | 78.4%-54.9pp | 82.4%-58.8pp |
| Annual return | 9.36% | 804.70%-795.3pp | 600.81%-591.5pp | 202.70%-193.3pp |
| Employer contribution / active EE | $378 | $5,470-93.1% | $4,918-92.3% | $5,055-92.5% |
| Participant deferral / active EE | $0 | $6,259-100.0% | $5,610-100.0% | $6,977-100.0% |
| Admin fee / account holder | $6,505 | $17,628-63.1% | $14,905-56.4% | $19,030-65.8% |