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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 | $91,978 | $157,296-41.5% | $141,191-34.9% | $152,897-39.8% |
| Participation rate | 69.2% | 84.8%-15.6pp | 82.5%-13.2pp | 82.5%-13.2pp |
| Annual return | 16.39% | 64.34%-48.0pp | 71.41%-55.0pp | 345.43%-329.0pp |
| Employer contribution / active EE | $58 | $5,262-98.9% | $4,736-98.8% | $4,764-98.8% |
| Participant deferral / active EE | $3,134 | $7,111-55.9% | $6,710-53.3% | $5,851-46.4% |
| Admin fee / account holder | $17,109 | $12,125+41.1% | $10,264+66.7% | $11,599+47.5% |