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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 | $81,020 | $217,432-62.7% | $185,849-56.4% | $167,536-51.6% |
| Participation rate | 58.3% | 86.1%-27.7pp | 81.7%-23.4pp | 82.1%-23.8pp |
| Annual return | 15.15% | 148.42%-133.3pp | 122.10%-106.9pp | 478.82%-463.7pp |
| Employer contribution / active EE | $984 | $5,875-83.2% | $5,169-81.0% | $4,839-79.7% |
| Participant deferral / active EE | $3,891 | $6,357-38.8% | $5,569-30.1% | $6,342-38.6% |
| Admin fee / account holder | $3,912 | $19,818-80.3% | $16,244-75.9% | $12,315-68.2% |