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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 | $55,028 | $182,442-69.8% | $163,379-66.3% | $138,895-60.4% |
| Participation rate | 64.3% | 79.8%-15.5pp | 76.8%-12.5pp | 79.9%-15.6pp |
| Annual return | 17.45% | 72.74%-55.3pp | 63.41%-46.0pp | 145.39%-127.9pp |
| Employer contribution / active EE | $0 | $4,159-100.0% | $3,752-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $1,342 | $6,817-80.3% | $6,282-78.6% | $6,396-79.0% |
| Admin fee / account holder | $1,456 | $10,396-86.0% | $9,818-85.2% | $12,562-88.4% |