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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 | $65,473 | $198,457-67.0% | $170,435-61.6% | $147,586-55.6% |
| Participation rate | 57.1% | 88.0%-30.8pp | 83.6%-26.5pp | 82.8%-25.7pp |
| Annual return | 18.61% | 257.30%-238.7pp | 205.94%-187.3pp | 578.59%-560.0pp |
| Employer contribution / active EE | $890 | $6,183-85.6% | $5,432-83.6% | $4,876-81.8% |
| Participant deferral / active EE | $3,772 | $5,629-33.0% | $4,939-23.6% | $5,439-30.7% |
| Admin fee / account holder | $915 | $16,852-94.6% | $13,881-93.4% | $10,886-91.6% |