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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 | $116,996 | $162,136-27.8% | $152,301-23.2% | $154,746-24.4% |
| Participation rate | 45.0% | 84.1%-39.1pp | 82.4%-37.4pp | 80.7%-35.7pp |
| Annual return | 15.85% | 91.02%-75.2pp | 80.50%-64.7pp | 172.34%-156.5pp |
| Employer contribution / active EE | $616 | $4,890-87.4% | $4,624-86.7% | $4,379-85.9% |
| Participant deferral / active EE | $2,928 | $8,341-64.9% | $8,004-63.4% | $6,730-56.5% |
| Admin fee / account holder | $1,306 | $15,759-91.7% | $14,398-90.9% | $14,365-90.9% |