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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 | $74,526 | $165,361-54.9% | $149,715-50.2% | $158,950-53.1% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 16.38% | 348.24%-331.9pp | 276.66%-260.3pp | 302.91%-286.5pp |
| Employer contribution / active EE | $887 | $5,103-82.6% | $4,645-80.9% | $4,762-81.4% |
| Participant deferral / active EE | $13,109 | $7,182+82.5% | $6,842+91.6% | $5,983+119.1% |
| Admin fee / account holder | $50,271 | $10,808+365.1% | $9,310+440.0% | $11,248+346.9% |