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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 | $108,882-30.5% | $96,754-21.8% | $154,746-51.1% |
| Participation rate | 36.4% | 75.1%-38.7pp | 70.3%-33.9pp | 80.7%-44.3pp |
| Annual return | 10.14% | 98.39%-88.2pp | 82.04%-71.9pp | 172.34%-162.2pp |
| Employer contribution / active EE | $0 | $3,018-100.0% | $2,679-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $10,545 | $5,323+98.1% | $4,758+121.6% | $6,730+56.7% |
| Admin fee / account holder | $49,183 | $10,200+382.2% | $8,905+452.3% | $14,365+242.4% |