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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 | $128,175 | $217,432-41.1% | $185,849-31.0% | $167,536-23.5% |
| Participation rate | 47.4% | 86.1%-38.7pp | 81.7%-34.3pp | 82.1%-34.7pp |
| Annual return | 18.95% | 148.42%-129.5pp | 122.10%-103.1pp | 478.82%-459.9pp |
| Employer contribution / active EE | $1,053 | $5,875-82.1% | $5,169-79.6% | $4,839-78.2% |
| Participant deferral / active EE | $3,352 | $6,357-47.3% | $5,569-39.8% | $6,342-47.2% |
| Admin fee / account holder | $1,502 | $19,818-92.4% | $16,244-90.8% | $12,315-87.8% |