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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 | $126,938 | $209,425-39.4% | $178,499-28.9% | $158,966-20.1% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 18.06% | 188.80%-170.7pp | 151.10%-133.0pp | 302.95%-284.9pp |
| Employer contribution / active EE | $361 | $5,707-93.7% | $5,011-92.8% | $4,762-92.4% |
| Participant deferral / active EE | $4,875 | $5,955-18.1% | $5,202-6.3% | $5,983-18.5% |
| Admin fee / account holder | $302 | $17,078-98.2% | $13,986-97.8% | $11,250-97.3% |