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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 | $126,263 | $174,379-27.6% | $152,093-17.0% | $138,895-9.1% |
| Participation rate | 47.8% | 81.6%-33.8pp | 77.8%-29.9pp | 79.9%-32.1pp |
| Annual return | 14.38% | 74.86%-60.5pp | 66.36%-52.0pp | 145.39%-131.0pp |
| Employer contribution / active EE | $0 | $4,652-100.0% | $4,175-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $5,746 | $6,159-6.7% | $5,451+5.4% | $6,396-10.2% |
| Admin fee / account holder | $4,100 | $16,880-75.7% | $14,497-71.7% | $12,562-67.4% |