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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 | $91,250 | $183,539-50.3% | $155,556-41.3% | $145,897-37.5% |
| Participation rate | 58.8% | 82.7%-23.9pp | 78.2%-19.4pp | 80.3%-21.5pp |
| Annual return | 19.07% | 61.31%-42.2pp | 64.84%-45.8pp | 552.29%-533.2pp |
| Employer contribution / active EE | $123 | $5,315-97.7% | $4,675-97.4% | $4,663-97.4% |
| Participant deferral / active EE | $2,151 | $6,467-66.7% | $5,631-61.8% | $6,689-67.9% |
| Admin fee / account holder | $2,092 | $19,275-89.1% | $15,885-86.8% | $13,390-84.4% |