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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 | $109,402 | $175,257-37.6% | $149,717-26.9% | $139,456-21.6% |
| Participation rate | 40.0% | 83.4%-43.4pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | 17.52% | 166.70%-149.2pp | 134.41%-116.9pp | 373.45%-355.9pp |
| Employer contribution / active EE | $885 | $5,477-83.8% | $4,820-81.6% | $4,753-81.4% |
| Participant deferral / active EE | $5,264 | $6,521-19.3% | $5,682-7.3% | $6,711-21.6% |
| Admin fee / account holder | $63,861 | $16,156+295.3% | $13,213+383.3% | $11,407+459.8% |