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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 | $134,817-39.6% | $123,973-34.3% | $155,188-47.5% |
| Participation rate | 23.5% | 79.4%-55.9pp | 76.7%-53.1pp | 80.8%-57.3pp |
| Annual return | 9.36% | 515.49%-506.1pp | 388.13%-378.8pp | 148.84%-139.5pp |
| Employer contribution / active EE | $378 | $4,425-91.5% | $4,126-90.8% | $4,248-91.1% |
| Participant deferral / active EE | $0 | $5,706-100.0% | $5,247-100.0% | $6,531-100.0% |
| Admin fee / account holder | $6,505 | $13,245-50.9% | $11,799-44.9% | $14,480-55.1% |