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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 | $114,258 | $134,817-15.2% | $123,973-7.8% | $155,188-26.4% |
| Participation rate | 26.7% | 79.4%-52.7pp | 76.7%-50.0pp | 80.8%-54.1pp |
| Annual return | 17.44% | 515.49%-498.1pp | 388.13%-370.7pp | 148.84%-131.4pp |
| Employer contribution / active EE | $824 | $4,425-81.4% | $4,126-80.0% | $4,248-80.6% |
| Participant deferral / active EE | $1,826 | $5,706-68.0% | $5,247-65.2% | $6,531-72.0% |
| Admin fee / account holder | $1,228 | $13,245-90.7% | $11,799-89.6% | $14,480-91.5% |