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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 | $82,164 | $171,492-52.1% | $150,734-45.5% | $198,609-58.6% |
| Participation rate | 66.7% | 81.4%-14.7pp | 78.4%-11.8pp | 82.4%-15.7pp |
| Annual return | 10.49% | 804.70%-794.2pp | 600.81%-590.3pp | 202.70%-192.2pp |
| Employer contribution / active EE | $0 | $5,470-100.0% | $4,918-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $2,933 | $6,259-53.1% | $5,610-47.7% | $6,977-58.0% |
| Admin fee / account holder | $1,089 | $17,628-93.8% | $14,905-92.7% | $19,030-94.3% |