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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 | $104,040 | $135,956-23.5% | $123,894-16.0% | $273,972-62.0% |
| Participation rate | 57.1% | 84.1%-26.9pp | 81.4%-24.3pp | 83.0%-25.9pp |
| Annual return | 8.93% | 56.63%-47.7pp | 47.52%-38.6pp | 41.46%-32.5pp |
| Employer contribution / active EE | $190 | $5,170-96.3% | $4,617-95.9% | $4,869-96.1% |
| Participant deferral / active EE | $2,203 | $6,343-65.3% | $5,984-63.2% | $5,287-58.3% |
| Admin fee / account holder | $2,015 | $9,817-79.5% | $8,357-75.9% | $10,133-80.1% |