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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 | $73,480 | $155,833-52.8% | $124,693-41.1% | $167,536-56.1% |
| Participation rate | 58.3% | 81.1%-22.8pp | 74.6%-16.3pp | 82.1%-23.8pp |
| Annual return | 16.76% | 17.98%-1.2pp | 5144.19%-5127.4pp | 478.82%-462.1pp |
| Employer contribution / active EE | $0 | $4,164-100.0% | $3,324-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $5,518 | $5,675-2.8% | $4,615+19.6% | $6,342-13.0% |
| Admin fee / account holder | $4,389 | $9,534-54.0% | $7,494-41.4% | $12,315-64.4% |