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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 | $59,515 | $93,098-36.1% | $77,081-22.8% | $134,509-55.8% |
| Participation rate | 30.0% | 74.5%-44.5pp | 67.9%-37.9pp | 81.2%-51.2pp |
| Annual return | 51.19% | 62.63%-11.4pp | 42.33%+8.9pp | 418.13%-366.9pp |
| Employer contribution / active EE | $0 | $3,419-100.0% | $2,813-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $12,350 | $5,239+135.7% | $4,428+178.9% | $6,400+93.0% |
| Admin fee / account holder | $9,396 | $6,945+35.3% | $5,427+73.1% | $11,427-17.8% |