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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 | $98,943 | $160,040-38.2% | $147,096-32.7% | $145,877-32.2% |
| Participation rate | 41.2% | 84.0%-42.8pp | 82.2%-41.0pp | 80.3%-39.1pp |
| Annual return | 10.17% | 98.49%-88.3pp | 419.75%-409.6pp | 551.28%-541.1pp |
| Employer contribution / active EE | $873 | $5,289-83.5% | $4,936-82.3% | $4,663-81.3% |
| Participant deferral / active EE | $3,482 | $8,429-58.7% | $8,071-56.9% | $6,691-48.0% |
| Admin fee / account holder | $18,582 | $15,050+23.5% | $13,005+42.9% | $13,402+38.7% |