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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 | $80,166 | $165,361-51.5% | $149,715-46.5% | $158,950-49.6% |
| Participation rate | 33.3% | 84.6%-51.2pp | 82.5%-49.1pp | 82.0%-48.6pp |
| Annual return | 8.70% | 348.24%-339.5pp | 276.66%-268.0pp | 302.91%-294.2pp |
| Employer contribution / active EE | $225 | $5,103-95.6% | $4,645-95.2% | $4,762-95.3% |
| Participant deferral / active EE | $5,920 | $7,182-17.6% | $6,842-13.5% | $5,983-1.0% |
| Admin fee / account holder | $666 | $10,808-93.8% | $9,310-92.8% | $11,248-94.1% |