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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 | $114,568 | $149,040-23.1% | $120,225-4.7% | $137,256-16.5% |
| Participation rate | 16.7% | 75.4%-58.8pp | 69.6%-52.9pp | 80.0%-63.3pp |
| Annual return | 18.19% | 605.68%-587.5pp | 439.23%-421.0pp | 220.34%-202.1pp |
| Employer contribution / active EE | $0 | $4,350-100.0% | $3,475-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $5,083 | $4,655+9.2% | $3,999+27.1% | $6,407-20.7% |
| Admin fee / account holder | $437 | $6,348-93.1% | $5,696-92.3% | $12,270-96.4% |