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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 | $94,792 | $227,597-58.4% | $189,575-50.0% | $167,536-43.4% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.4%-28.4pp | 82.1%-32.1pp |
| Annual return | 14.67% | 78.44%-63.8pp | 64.19%-49.5pp | 478.82%-464.1pp |
| Employer contribution / active EE | $399 | $5,316-92.5% | $4,412-91.0% | $4,839-91.8% |
| Participant deferral / active EE | $1,706 | $7,002-75.6% | $6,174-72.4% | $6,342-73.1% |
| Admin fee / account holder | $14,274 | $11,877+20.2% | $9,806+45.6% | $12,315+15.9% |