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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 | $179,613 | $107,368+67.3% | $92,915+93.3% | $152,909+17.5% |
| Participation rate | 58.3% | 79.8%-21.5pp | 76.0%-17.7pp | 82.5%-24.1pp |
| Annual return | 17.65% | 145.64%-128.0pp | 109.45%-91.8pp | 345.46%-327.8pp |
| Employer contribution / active EE | $337 | $4,222-92.0% | $3,653-90.8% | $4,764-92.9% |
| Participant deferral / active EE | $3,823 | $4,848-21.1% | $4,238-9.8% | $5,851-34.7% |
| Admin fee / account holder | $3,836 | $7,082-45.8% | $5,796-33.8% | $11,601-66.9% |