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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 | $86,106 | $157,296-45.3% | $141,191-39.0% | $152,897-43.7% |
| Participation rate | 37.5% | 84.8%-47.3pp | 82.5%-45.0pp | 82.5%-45.0pp |
| Annual return | 24.67% | 64.34%-39.7pp | 71.41%-46.7pp | 345.43%-320.8pp |
| Employer contribution / active EE | $472 | $5,262-91.0% | $4,736-90.0% | $4,764-90.1% |
| Participant deferral / active EE | $2,420 | $7,111-66.0% | $6,710-63.9% | $5,851-58.6% |
| Admin fee / account holder | $499 | $12,125-95.9% | $10,264-95.1% | $11,599-95.7% |