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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 | $133,137 | $175,231-24.0% | $149,696-11.1% | $139,466-4.5% |
| Participation rate | 14.3% | 83.4%-69.1pp | 78.8%-64.5pp | 80.3%-66.0pp |
| Annual return | 18.85% | 166.77%-147.9pp | 134.46%-115.6pp | 373.66%-354.8pp |
| Employer contribution / active EE | $780 | $5,478-85.8% | $4,821-83.8% | $4,754-83.6% |
| Participant deferral / active EE | $2,535 | $6,521-61.1% | $5,682-55.4% | $6,712-62.2% |
| Admin fee / account holder | $625 | $16,155-96.1% | $13,212-95.3% | $11,409-94.5% |