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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 | $99,591 | $211,224-52.9% | $178,505-44.2% | $145,897-31.7% |
| Participation rate | 57.1% | 80.8%-23.7pp | 77.1%-20.0pp | 80.3%-23.2pp |
| Annual return | 11.46% | 30.28%-18.8pp | 27.16%-15.7pp | 552.29%-540.8pp |
| Employer contribution / active EE | $420 | $4,577-90.8% | $3,955-89.4% | $4,663-91.0% |
| Participant deferral / active EE | $1,926 | $6,966-72.4% | $6,280-69.3% | $6,689-71.2% |
| Admin fee / account holder | $972 | $12,109-92.0% | $10,428-90.7% | $13,390-92.7% |