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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 | $111,535-18.3% | $105,223-13.4% | $137,256-33.6% |
| Participation rate | 28.6% | 78.1%-49.5pp | 75.0%-46.5pp | 80.0%-51.4pp |
| Annual return | 17.73% | 237.85%-220.1pp | 180.65%-162.9pp | 220.34%-202.6pp |
| Employer contribution / active EE | $493 | $3,939-87.5% | $3,689-86.6% | $4,156-88.1% |
| Participant deferral / active EE | $6,571 | $5,500+19.5% | $5,072+29.6% | $6,407+2.6% |
| Admin fee / account holder | $399 | $9,721-95.9% | $8,859-95.5% | $12,270-96.7% |