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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 | $24,559 | $90,538-72.9% | $88,457-72.2% | $154,746-84.1% |
| Participation rate | 57.1% | 80.9%-23.7pp | 78.6%-21.5pp | 80.7%-23.6pp |
| Annual return | 16.30% | 37.97%-21.7pp | 32.69%-16.4pp | 172.34%-156.0pp |
| Employer contribution / active EE | $0 | $4,914-100.0% | $4,681-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,814 | $6,073-70.1% | $5,667-68.0% | $6,730-73.1% |
| Admin fee / account holder | $4,628 | $10,337-55.2% | $9,606-51.8% | $14,365-67.8% |