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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 | $118,818 | $227,399-47.7% | $189,758-37.4% | $198,609-40.2% |
| Participation rate | 30.8% | 84.0%-53.2pp | 79.8%-49.0pp | 82.4%-51.6pp |
| Annual return | 16.43% | 61.03%-44.6pp | 52.62%-36.2pp | 202.70%-186.3pp |
| Employer contribution / active EE | $1,325 | $5,526-76.0% | $4,767-72.2% | $5,055-73.8% |
| Participant deferral / active EE | $6,787 | $6,837-0.7% | $5,856+15.9% | $6,977-2.7% |
| Admin fee / account holder | $25,239 | $25,162+0.3% | $20,388+23.8% | $19,030+32.6% |