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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 | $101,401 | $198,461-48.9% | $170,436-40.5% | $147,585-31.3% |
| Participation rate | 50.0% | 88.0%-38.0pp | 83.6%-33.6pp | 82.8%-32.8pp |
| Annual return | 11.62% | 257.30%-245.7pp | 205.94%-194.3pp | 578.57%-566.9pp |
| Employer contribution / active EE | $706 | $6,184-88.6% | $5,433-87.0% | $4,876-85.5% |
| Participant deferral / active EE | $8,975 | $5,629+59.4% | $4,939+81.7% | $5,439+65.0% |
| Admin fee / account holder | $1,144 | $16,852-93.2% | $13,880-91.8% | $10,885-89.5% |