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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 | $145,888 | $160,070-8.9% | $147,117-0.8% | $145,8970% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.9pp | 80.3%-47.0pp |
| Annual return | 15.25% | 98.69%-83.4pp | 420.54%-405.3pp | 552.29%-537.0pp |
| Employer contribution / active EE | $746 | $5,285-85.9% | $4,932-84.9% | $4,663-84.0% |
| Participant deferral / active EE | $7,366 | $8,419-12.5% | $8,065-8.7% | $6,689+10.1% |
| Admin fee / account holder | $395 | $15,035-97.4% | $12,993-97.0% | $13,390-97.1% |