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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 | $57,585 | $107,666-46.5% | $102,184-43.6% | $154,746-62.8% |
| Participation rate | 50.0% | 83.7%-33.7pp | 82.6%-32.6pp | 80.7%-30.7pp |
| Annual return | 19.25% | 29.33%-10.1pp | 31.58%-12.3pp | 172.34%-153.1pp |
| Employer contribution / active EE | $0 | $3,846-100.0% | $3,594-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $8,407 | $8,719-3.6% | $8,309+1.2% | $6,730+24.9% |
| Admin fee / account holder | $851 | $12,943-93.4% | $11,609-92.7% | $14,365-94.1% |