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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 | $77,693 | $180,749-57.0% | $160,784-51.7% | $137,256-43.4% |
| Participation rate | 50.0% | 80.0%-30.0pp | 77.0%-27.0pp | 80.0%-30.0pp |
| Annual return | 16.72% | 2234.46%-2217.7pp | 1803.92%-1787.2pp | 220.34%-203.6pp |
| Employer contribution / active EE | $369 | $4,155-91.1% | $3,733-90.1% | $4,156-91.1% |
| Participant deferral / active EE | $2,544 | $6,844-62.8% | $6,293-59.6% | $6,407-60.3% |
| Admin fee / account holder | $7,682 | $10,397-26.1% | $9,717-20.9% | $12,270-37.4% |