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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 | $143,047 | $157,304-9.1% | $141,197+1.3% | $152,909-6.4% |
| Participation rate | 62.5% | 84.8%-22.3pp | 82.5%-20.0pp | 82.5%-20.0pp |
| Annual return | 19.30% | 64.34%-45.0pp | 71.41%-52.1pp | 345.46%-326.2pp |
| Employer contribution / active EE | $0 | $5,263-100.0% | $4,736-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $6,725 | $7,111-5.4% | $6,710+0.2% | $5,851+14.9% |
| Admin fee / account holder | $23,349 | $12,126+92.6% | $10,265+127.5% | $11,601+101.3% |