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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 | $132,110 | $181,062-27.0% | $158,223-16.5% | $155,188-14.9% |
| Participation rate | 26.7% | 82.7%-56.0pp | 79.2%-52.5pp | 80.8%-54.1pp |
| Annual return | 16.73% | 57.39%-40.7pp | 52.09%-35.4pp | 148.84%-132.1pp |
| Employer contribution / active EE | $428 | $4,565-90.6% | $4,109-89.6% | $4,248-89.9% |
| Participant deferral / active EE | $2,817 | $6,134-54.1% | $5,467-48.5% | $6,531-56.9% |
| Admin fee / account holder | $2,059 | $18,825-89.1% | $16,047-87.2% | $14,480-85.8% |