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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 | $95,807 | $129,737-26.2% | $119,126-19.6% | $154,746-38.1% |
| Participation rate | 43.8% | 78.9%-35.1pp | 75.8%-32.0pp | 80.7%-37.0pp |
| Annual return | 19.43% | 379.08%-359.7pp | 282.11%-262.7pp | 172.34%-152.9pp |
| Employer contribution / active EE | $869 | $4,375-80.1% | $4,034-78.4% | $4,379-80.1% |
| Participant deferral / active EE | $3,813 | $5,842-34.7% | $5,318-28.3% | $6,730-43.3% |
| Admin fee / account holder | $5,089 | $11,961-57.5% | $10,693-52.4% | $14,365-64.6% |