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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 | $61,392 | $226,105-72.8% | $182,540-66.4% | $152,897-59.8% |
| Participation rate | 59.1% | 82.5%-23.4pp | 78.0%-18.9pp | 82.5%-23.4pp |
| Annual return | 19.41% | 192.58%-173.2pp | 148.58%-129.2pp | 345.43%-326.0pp |
| Employer contribution / active EE | $0 | $4,978-100.0% | $4,076-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,824 | $6,370-24.3% | $5,525-12.7% | $5,851-17.6% |
| Admin fee / account holder | $10,426 | $10,706-2.6% | $8,593+21.3% | $11,599-10.1% |