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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 | $106,508 | $183,592-42.0% | $155,574-31.5% | $145,877-27.0% |
| Participation rate | 38.5% | 82.7%-44.2pp | 78.2%-39.8pp | 80.3%-41.8pp |
| Annual return | 10.07% | 61.37%-51.3pp | 64.87%-54.8pp | 551.28%-541.2pp |
| Employer contribution / active EE | $696 | $5,317-86.9% | $4,676-85.1% | $4,663-85.1% |
| Participant deferral / active EE | $1,911 | $6,466-70.4% | $5,629-66.0% | $6,691-71.4% |
| Admin fee / account holder | $1,189 | $19,316-93.8% | $15,914-92.5% | $13,402-91.1% |