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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 | $102,076 | $106,247-3.9% | $96,515+5.8% | $139,466-26.8% |
| Participation rate | 61.9% | 77.8%-15.9pp | 74.3%-12.4pp | 80.3%-18.4pp |
| Annual return | 17.51% | 38.47%-21.0pp | 35.73%-18.2pp | 373.66%-356.2pp |
| Employer contribution / active EE | $0 | $4,106-100.0% | $3,740-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $8,185 | $5,456+50.0% | $4,880+67.7% | $6,712+21.9% |
| Admin fee / account holder | $3,717 | $7,885-52.9% | $6,735-44.8% | $11,409-67.4% |