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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 | $174,379-24.2% | $152,093-13.1% | $138,895-4.9% |
| Participation rate | 26.7% | 81.6%-55.0pp | 77.8%-51.1pp | 79.9%-53.3pp |
| Annual return | 16.73% | 74.86%-58.1pp | 66.36%-49.6pp | 145.39%-128.7pp |
| Employer contribution / active EE | $428 | $4,652-90.8% | $4,175-89.8% | $4,194-89.8% |
| Participant deferral / active EE | $2,817 | $6,159-54.3% | $5,451-48.3% | $6,396-56.0% |
| Admin fee / account holder | $2,059 | $16,880-87.8% | $14,497-85.8% | $12,562-83.6% |