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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 | $89,049 | $114,119-22.0% | $107,187-16.9% | $138,895-35.9% |
| Participation rate | 36.4% | 78.1%-41.7pp | 75.0%-38.7pp | 79.9%-43.6pp |
| Annual return | 15.80% | 273.21%-257.4pp | 204.55%-188.7pp | 145.39%-129.6pp |
| Employer contribution / active EE | $839 | $4,059-79.3% | $3,782-77.8% | $4,194-80.0% |
| Participant deferral / active EE | $1,634 | $5,538-70.5% | $5,096-67.9% | $6,396-74.5% |
| Admin fee / account holder | $23,897 | $10,024+138.4% | $9,162+160.8% | $12,562+90.2% |