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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 | $111,688 | $166,242-32.8% | $165,071-32.3% | $145,884-23.4% |
| Participation rate | 68.2% | 82.0%-13.8pp | 78.6%-10.4pp | 80.3%-12.1pp |
| Annual return | 10.07% | 100.44%-90.4pp | 70.17%-60.1pp | 551.85%-541.8pp |
| Employer contribution / active EE | $25 | $5,283-99.5% | $4,347-99.4% | $4,662-99.5% |
| Participant deferral / active EE | $3,108 | $6,964-55.4% | $6,035-48.5% | $6,690-53.5% |
| Admin fee / account holder | $20,995 | $16,658+26.0% | $12,695+65.4% | $13,392+56.8% |