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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 | $79,681 | $217,427-63.4% | $185,837-57.1% | $167,518-52.4% |
| Participation rate | 64.3% | 86.0%-21.8pp | 81.7%-17.4pp | 82.1%-17.8pp |
| Annual return | 16.19% | 148.39%-132.2pp | 122.08%-105.9pp | 478.71%-462.5pp |
| Employer contribution / active EE | $1,056 | $5,874-82.0% | $5,168-79.6% | $4,838-78.2% |
| Participant deferral / active EE | $4,041 | $6,357-36.4% | $5,568-27.4% | $6,342-36.3% |
| Admin fee / account holder | $1,308 | $19,816-93.4% | $16,241-91.9% | $12,312-89.4% |