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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 | $61,016 | $183,539-66.8% | $155,556-60.8% | $145,897-58.2% |
| Participation rate | 47.4% | 82.7%-35.3pp | 78.2%-30.9pp | 80.3%-32.9pp |
| Annual return | 14.90% | 61.31%-46.4pp | 64.84%-49.9pp | 552.29%-537.4pp |
| Employer contribution / active EE | $929 | $5,315-82.5% | $4,675-80.1% | $4,663-80.1% |
| Participant deferral / active EE | $3,044 | $6,467-52.9% | $5,631-45.9% | $6,689-54.5% |
| Admin fee / account holder | $2,093 | $19,275-89.1% | $15,885-86.8% | $13,390-84.4% |