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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 | $132,926 | $183,592-27.6% | $155,574-14.6% | $145,877-8.9% |
| Participation rate | 53.8% | 82.7%-28.9pp | 78.2%-24.4pp | 80.3%-26.5pp |
| Annual return | 14.52% | 61.37%-46.9pp | 64.87%-50.3pp | 551.28%-536.8pp |
| Employer contribution / active EE | $988 | $5,317-81.4% | $4,676-78.9% | $4,663-78.8% |
| Participant deferral / active EE | $5,459 | $6,466-15.6% | $5,629-3.0% | $6,691-18.4% |
| Admin fee / account holder | $1,466 | $19,316-92.4% | $15,914-90.8% | $13,402-89.1% |