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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 | $105,908 | $81,208+30.4% | $98,920+7.1% | $79,856+32.6% |
| Participation rate | 44.4% | 72.5%-28.1pp | 76.0%-31.6pp | 69.6%-25.2pp |
| Annual return | 16.54% | 60.99%-44.5pp | 196.47%-179.9pp | 31.71%-15.2pp |
| Employer contribution / active EE | $391 | $1,960-80.0% | $2,689-85.5% | $2,471-84.2% |
| Participant deferral / active EE | $1,669 | $3,265-48.9% | $4,245-60.7% | $3,741-55.4% |
| Admin fee / account holder | $1,951 | $6,013-67.5% | $6,643-70.6% | $5,306-63.2% |