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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 | $99,912 | $117,829-15.2% | $102,423-2.5% | $145,877-31.5% |
| Participation rate | 36.4% | 78.6%-42.3pp | 76.5%-40.1pp | 80.3%-43.9pp |
| Annual return | 9.62% | 31.83%-22.2pp | 29.42%-19.8pp | 551.28%-541.7pp |
| Employer contribution / active EE | $586 | $3,615-83.8% | $3,023-80.6% | $4,663-87.4% |
| Participant deferral / active EE | $2,270 | $5,732-60.4% | $5,054-55.1% | $6,691-66.1% |
| Admin fee / account holder | $30,098 | $13,335+125.7% | $9,455+218.3% | $13,402+124.6% |