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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 | $67,077 | $159,978-58.1% | $147,041-54.4% | $145,978-54.1% |
| Participation rate | 41.2% | 84.0%-42.8pp | 82.2%-41.0pp | 80.3%-39.1pp |
| Annual return | 11.63% | 98.36%-86.7pp | 419.21%-407.6pp | 550.52%-538.9pp |
| Employer contribution / active EE | $699 | $5,288-86.8% | $4,935-85.8% | $4,662-85.0% |
| Participant deferral / active EE | $2,904 | $8,429-65.6% | $8,071-64.0% | $6,690-56.6% |
| Admin fee / account holder | $303 | $15,053-98.0% | $13,006-97.7% | $13,400-97.7% |