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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 | $97,140 | $176,105-44.8% | $159,474-39.1% | $167,536-42.0% |
| Participation rate | 56.3% | 85.0%-28.7pp | 82.8%-26.6pp | 82.1%-25.9pp |
| Annual return | 12.85% | 331.91%-319.1pp | 263.68%-250.8pp | 478.82%-466.0pp |
| Employer contribution / active EE | $840 | $5,299-84.1% | $4,831-82.6% | $4,839-82.6% |
| Participant deferral / active EE | $4,174 | $7,751-46.2% | $7,353-43.2% | $6,342-34.2% |
| Admin fee / account holder | $1,096 | $12,559-91.3% | $10,802-89.8% | $12,315-91.1% |