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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 | $38,176 | $148,582-74.3% | $135,942-71.9% | $139,456-72.6% |
| Participation rate | 47.8% | 83.9%-36.0pp | 81.9%-34.1pp | 80.3%-32.5pp |
| Annual return | 61.92% | 79.26%-17.3pp | 68.28%-6.4pp | 373.45%-311.5pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,858-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $12,215 | $8,101+50.8% | $7,759+57.4% | $6,711+82.0% |
| Admin fee / account holder | $4,847 | $12,402-60.9% | $10,764-55.0% | $11,407-57.5% |