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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 | $86,711 | $150,412-42.4% | $120,574-28.1% | $145,884-40.6% |
| Participation rate | 64.7% | 78.8%-14.1pp | 71.9%-7.2pp | 80.3%-15.6pp |
| Annual return | 18.92% | 154.50%-135.6pp | 107.42%-88.5pp | 551.85%-532.9pp |
| Employer contribution / active EE | $0 | $4,355-100.0% | $3,471-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $17,897 | $6,175+189.8% | $4,996+258.2% | $6,690+167.5% |
| Admin fee / account holder | $8,495 | $12,224-30.5% | $9,445-10.1% | $13,392-36.6% |