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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 | $124,515 | $183,539-32.2% | $155,556-20.0% | $145,897-14.7% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 10.15% | 61.31%-51.2pp | 64.84%-54.7pp | 552.29%-542.1pp |
| Employer contribution / active EE | $867 | $5,315-83.7% | $4,675-81.5% | $4,663-81.4% |
| Participant deferral / active EE | $9,886 | $6,467+52.9% | $5,631+75.6% | $6,689+47.8% |
| Admin fee / account holder | $985 | $19,275-94.9% | $15,885-93.8% | $13,390-92.6% |