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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 | $91,465 | $148,623-38.5% | $135,974-32.7% | $139,466-34.4% |
| Participation rate | 52.9% | 83.9%-30.9pp | 81.9%-29.0pp | 80.3%-27.4pp |
| Annual return | 12.81% | 79.30%-66.5pp | 68.30%-55.5pp | 373.66%-360.9pp |
| Employer contribution / active EE | $206 | $5,246-96.1% | $4,859-95.8% | $4,754-95.7% |
| Participant deferral / active EE | $9,776 | $8,103+20.7% | $7,760+26.0% | $6,712+45.7% |
| Admin fee / account holder | $38,817 | $12,406+212.9% | $10,767+260.5% | $11,409+240.2% |