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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 | $70,631 | $157,296-55.1% | $141,191-50.0% | $152,897-53.8% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 21.91% | 64.34%-42.4pp | 71.41%-49.5pp | 345.43%-323.5pp |
| Employer contribution / active EE | $347 | $5,262-93.4% | $4,736-92.7% | $4,764-92.7% |
| Participant deferral / active EE | $7,833 | $7,111+10.2% | $6,710+16.7% | $5,851+33.9% |
| Admin fee / account holder | $15,919 | $12,125+31.3% | $10,264+55.1% | $11,599+37.2% |