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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 | $125,030 | $175,231-28.6% | $149,696-16.5% | $139,466-10.4% |
| Participation rate | 40.0% | 83.4%-43.4pp | 78.8%-38.8pp | 80.3%-40.3pp |
| Annual return | 14.12% | 166.77%-152.7pp | 134.46%-120.3pp | 373.66%-359.5pp |
| Employer contribution / active EE | $965 | $5,478-82.4% | $4,821-80.0% | $4,754-79.7% |
| Participant deferral / active EE | $6,877 | $6,521+5.5% | $5,682+21.0% | $6,712+2.5% |
| Admin fee / account holder | $401 | $16,155-97.5% | $13,212-97.0% | $11,409-96.5% |