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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 | $98,881 | $210,698-53.1% | $178,014-44.5% | $145,959-32.3% |
| Participation rate | 60.0% | 80.8%-20.8pp | 77.1%-17.1pp | 80.3%-20.3pp |
| Annual return | 11.88% | 386.27%-374.4pp | 294.80%-282.9pp | 561.95%-550.1pp |
| Employer contribution / active EE | $347 | $4,567-92.4% | $3,950-91.2% | $4,661-92.6% |
| Participant deferral / active EE | $4,100 | $6,958-41.1% | $6,276-34.7% | $6,689-38.7% |
| Admin fee / account holder | $1,926 | $12,016-84.0% | $10,362-81.4% | $13,398-85.6% |