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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 | $84,346 | $157,304-46.4% | $141,197-40.3% | $152,909-44.8% |
| Participation rate | 41.7% | 84.8%-43.2pp | 82.5%-40.8pp | 82.5%-40.8pp |
| Annual return | 22.29% | 64.34%-42.1pp | 71.41%-49.1pp | 345.46%-323.2pp |
| Employer contribution / active EE | $735 | $5,263-86.0% | $4,736-84.5% | $4,764-84.6% |
| Participant deferral / active EE | $2,985 | $7,111-58.0% | $6,710-55.5% | $5,851-49.0% |
| Admin fee / account holder | $15,750 | $12,126+29.9% | $10,265+53.4% | $11,601+35.8% |