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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 | $89,237 | $160,040-44.2% | $147,096-39.3% | $145,877-38.8% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 18.90% | 98.49%-79.6pp | 419.75%-400.9pp | 551.28%-532.4pp |
| Employer contribution / active EE | $516 | $5,289-90.2% | $4,936-89.6% | $4,663-88.9% |
| Participant deferral / active EE | $5,230 | $8,429-38.0% | $8,071-35.2% | $6,691-21.8% |
| Admin fee / account holder | $2,666 | $15,050-82.3% | $13,005-79.5% | $13,402-80.1% |