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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 | $84,539 | $111,301-24.0% | $112,977-25.2% | $158,966-46.8% |
| Participation rate | 29.4% | 83.5%-54.1pp | 82.6%-53.2pp | 82.0%-52.6pp |
| Annual return | 21.11% | 26.40%-5.3pp | 24.24%-3.1pp | 302.95%-281.8pp |
| Employer contribution / active EE | $1,195 | $4,471-73.3% | $4,255-71.9% | $4,762-74.9% |
| Participant deferral / active EE | $3,268 | $5,880-44.4% | $5,836-44.0% | $5,983-45.4% |
| Admin fee / account holder | $1,106 | $8,392-86.8% | $6,294-82.4% | $11,250-90.2% |