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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 | $165,222 | $211,224-21.8% | $178,505-7.4% | $145,897+13.2% |
| Participation rate | 42.9% | 80.8%-38.0pp | 77.1%-34.3pp | 80.3%-37.4pp |
| Annual return | 19.32% | 30.28%-11.0pp | 27.16%-7.8pp | 552.29%-533.0pp |
| Employer contribution / active EE | $0 | $4,577-100.0% | $3,955-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,507 | $6,966-49.6% | $6,280-44.2% | $6,689-47.6% |
| Admin fee / account holder | $9,473 | $12,109-21.8% | $10,428-9.2% | $13,390-29.3% |