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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 | $91,175 | $129,737-29.7% | $119,126-23.5% | $154,746-41.1% |
| Participation rate | 28.6% | 78.9%-50.3pp | 75.8%-47.2pp | 80.7%-52.1pp |
| Annual return | 17.73% | 379.08%-361.4pp | 282.11%-264.4pp | 172.34%-154.6pp |
| Employer contribution / active EE | $493 | $4,375-88.7% | $4,034-87.8% | $4,379-88.7% |
| Participant deferral / active EE | $6,571 | $5,842+12.5% | $5,318+23.6% | $6,730-2.4% |
| Admin fee / account holder | $399 | $11,961-96.7% | $10,693-96.3% | $14,365-97.2% |