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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 | $75,676 | $147,556-48.7% | $129,031-41.4% | $198,609-61.9% |
| Participation rate | 36.4% | 77.2%-40.9pp | 73.4%-37.0pp | 82.4%-46.0pp |
| Annual return | 10.14% | 37.41%-27.3pp | 34.67%-24.5pp | 202.70%-192.6pp |
| Employer contribution / active EE | $0 | $3,645-100.0% | $3,226-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $10,545 | $5,760+83.1% | $5,217+102.1% | $6,977+51.2% |
| Admin fee / account holder | $49,183 | $15,467+218.0% | $13,208+272.4% | $19,030+158.4% |