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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 | $139,837 | $223,823-37.5% | $211,142-33.8% | $154,746-9.6% |
| Participation rate | 65.0% | 87.9%-22.9pp | 87.3%-22.3pp | 80.7%-15.7pp |
| Annual return | 23.91% | 50.39%-26.5pp | 46.84%-22.9pp | 172.34%-148.4pp |
| Employer contribution / active EE | $708 | $6,787-89.6% | $6,442-89.0% | $4,379-83.8% |
| Participant deferral / active EE | $6,343 | $9,750-34.9% | $9,284-31.7% | $6,730-5.8% |
| Admin fee / account holder | $1,936 | $19,707-90.2% | $19,076-89.9% | $14,365-86.5% |