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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 | $78,160 | $166,131-53.0% | $164,975-52.6% | $145,877-46.4% |
| Participation rate | 29.4% | 82.0%-52.6pp | 78.6%-49.2pp | 80.3%-50.9pp |
| Annual return | 12.17% | 100.37%-88.2pp | 70.12%-57.9pp | 551.28%-539.1pp |
| Employer contribution / active EE | $809 | $5,276-84.7% | $4,343-81.4% | $4,663-82.7% |
| Participant deferral / active EE | $3,518 | $6,962-49.5% | $6,033-41.7% | $6,691-47.4% |
| Admin fee / account holder | $369 | $16,648-97.8% | $12,688-97.1% | $13,402-97.2% |