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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 | $141,689 | $171,492-17.4% | $150,734-6.0% | $198,609-28.7% |
| Participation rate | 26.7% | 81.4%-54.7pp | 78.4%-51.8pp | 82.4%-55.7pp |
| Annual return | 17.25% | 804.70%-787.4pp | 600.81%-583.6pp | 202.70%-185.4pp |
| Employer contribution / active EE | $1,038 | $5,470-81.0% | $4,918-78.9% | $5,055-79.5% |
| Participant deferral / active EE | $3,517 | $6,259-43.8% | $5,610-37.3% | $6,977-49.6% |
| Admin fee / account holder | $15,854 | $17,628-10.1% | $14,905+6.4% | $19,030-16.7% |