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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 | $109,449 | $208,088-47.4% | $186,193-41.2% | $154,746-29.3% |
| Participation rate | 23.8% | 80.0%-56.2pp | 77.1%-53.3pp | 80.7%-56.9pp |
| Annual return | 9.02% | 89.97%-81.0pp | 78.03%-69.0pp | 172.34%-163.3pp |
| Employer contribution / active EE | $112 | $4,340-97.4% | $3,918-97.1% | $4,379-97.4% |
| Participant deferral / active EE | $2,663 | $7,078-62.4% | $6,513-59.1% | $6,730-60.4% |
| Admin fee / account holder | $7,843 | $11,698-33.0% | $11,058-29.1% | $14,365-45.4% |