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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 | $81,367 | $209,422-61.1% | $178,503-54.4% | $158,982-48.8% |
| Participation rate | 60.0% | 86.4%-26.4pp | 81.9%-21.9pp | 82.0%-22.0pp |
| Annual return | 15.19% | 188.81%-173.6pp | 151.12%-135.9pp | 302.99%-287.8pp |
| Employer contribution / active EE | $1,091 | $5,707-80.9% | $5,011-78.2% | $4,763-77.1% |
| Participant deferral / active EE | $10,900 | $5,955+83.0% | $5,202+109.5% | $5,983+82.2% |
| Admin fee / account holder | $866 | $17,079-94.9% | $13,987-93.8% | $11,252-92.3% |