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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 | $70,484 | $162,136-56.5% | $152,301-53.7% | $154,746-54.5% |
| Participation rate | 50.0% | 84.1%-34.1pp | 82.4%-32.4pp | 80.7%-30.7pp |
| Annual return | 26.28% | 91.02%-64.7pp | 80.50%-54.2pp | 172.34%-146.1pp |
| Employer contribution / active EE | $0 | $4,890-100.0% | $4,624-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $6,564 | $8,341-21.3% | $8,004-18.0% | $6,730-2.5% |
| Admin fee / account holder | $1,303 | $15,759-91.7% | $14,398-91.0% | $14,365-90.9% |