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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 | $36,239 | $175,257-79.3% | $149,717-75.8% | $139,456-74.0% |
| Participation rate | 52.2% | 83.4%-31.2pp | 78.8%-26.6pp | 80.3%-28.2pp |
| Annual return | 14.61% | 166.70%-152.1pp | 134.41%-119.8pp | 373.45%-358.8pp |
| Employer contribution / active EE | $0 | $5,477-100.0% | $4,820-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $2,220 | $6,521-66.0% | $5,682-60.9% | $6,711-66.9% |
| Admin fee / account holder | $3,221 | $16,156-80.1% | $13,213-75.6% | $11,407-71.8% |