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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 | $112,445 | $153,769-26.9% | $133,975-16.1% | $273,972-59.0% |
| Participation rate | 60.9% | 88.4%-27.5pp | 87.1%-26.2pp | 83.0%-22.1pp |
| Annual return | 7.12% | 36.51%-29.4pp | 29.29%-22.2pp | 41.46%-34.3pp |
| Employer contribution / active EE | $985 | $6,029-83.7% | $5,211-81.1% | $4,869-79.8% |
| Participant deferral / active EE | $4,333 | $6,958-37.7% | $6,282-31.0% | $5,287-18.0% |
| Admin fee / account holder | $812 | $11,765-93.1% | $9,324-91.3% | $10,133-92.0% |