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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 | $25,428 | $125,237-79.7% | $105,608-75.9% | $145,877-82.6% |
| Participation rate | 40.0% | 77.7%-37.7pp | 75.3%-35.3pp | 80.3%-40.3pp |
| Annual return | 16.79% | 225.76%-209.0pp | 116.50%-99.7pp | 551.28%-534.5pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $6,247 | $5,711+9.4% | $5,010+24.7% | $6,691-6.6% |
| Admin fee / account holder | $6,063 | $17,287-64.9% | $11,028-45.0% | $13,402-54.8% |