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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 | $211,288-53.2% | $178,540-44.6% | $145,884-32.2% |
| Participation rate | 60.0% | 80.8%-20.8pp | 77.1%-17.1pp | 80.3%-20.3pp |
| Annual return | 11.88% | 30.27%-18.4pp | 27.15%-15.3pp | 551.85%-540.0pp |
| Employer contribution / active EE | $347 | $4,574-92.4% | $3,953-91.2% | $4,662-92.6% |
| Participant deferral / active EE | $4,100 | $6,967-41.1% | $6,281-34.7% | $6,690-38.7% |
| Admin fee / account holder | $1,926 | $12,105-84.1% | $10,424-81.5% | $13,392-85.6% |