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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 | $89,533 | $118,877-24.7% | $96,570-7.3% | $167,536-46.6% |
| Participation rate | 25.0% | 75.5%-50.5pp | 69.8%-44.8pp | 82.1%-57.1pp |
| Annual return | 24.84% | 50.50%-25.7pp | 37.79%-13.0pp | 478.82%-454.0pp |
| Employer contribution / active EE | $381 | $3,121-87.8% | $2,357-83.8% | $4,839-92.1% |
| Participant deferral / active EE | $2,430 | $4,617-47.4% | $3,849-36.9% | $6,342-61.7% |
| Admin fee / account holder | $1,128 | $8,069-86.0% | $6,182-81.8% | $12,315-90.8% |