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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 | $112,861 | $110,240+2.4% | $96,544+16.9% | $139,487-19.1% |
| Participation rate | 60.9% | 78.1%-17.3pp | 76.0%-15.1pp | 80.3%-19.5pp |
| Annual return | 16.04% | 26.41%-10.4pp | 25.88%-9.8pp | 373.84%-357.8pp |
| Employer contribution / active EE | $750 | $3,622-79.3% | $2,966-74.7% | $4,755-84.2% |
| Participant deferral / active EE | $4,286 | $5,549-22.8% | $4,851-11.7% | $6,713-36.1% |
| Admin fee / account holder | $4,261 | $11,602-63.3% | $8,254-48.4% | $11,407-62.6% |