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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 | $83,605 | $185,312-54.9% | $161,489-48.2% | $154,746-46.0% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 17.94% | 103.84%-85.9pp | 89.72%-71.8pp | 172.34%-154.4pp |
| Employer contribution / active EE | $821 | $4,769-82.8% | $4,268-80.8% | $4,379-81.2% |
| Participant deferral / active EE | $3,554 | $6,350-44.0% | $5,630-36.9% | $6,730-47.2% |
| Admin fee / account holder | $1,755 | $18,654-90.6% | $16,006-89.0% | $14,365-87.8% |