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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 | $34,352 | $149,679-77.0% | $117,039-70.6% | $147,586-76.7% |
| Participation rate | 63.6% | 83.5%-19.9pp | 77.2%-13.5pp | 82.8%-19.2pp |
| Annual return | 15.39% | 19.31%-3.9pp | 18.95%-3.6pp | 578.59%-563.2pp |
| Employer contribution / active EE | $0 | $4,937-100.0% | $3,785-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $5,166 | $4,912+5.2% | $3,929+31.5% | $5,439-5.0% |
| Admin fee / account holder | $4,255 | $7,856-45.8% | $5,974-28.8% | $10,886-60.9% |