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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 | $150,611 | $185,312-18.7% | $161,489-6.7% | $154,746-2.7% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.7%-12.0pp | 80.7%-14.0pp |
| Annual return | 12.88% | 103.84%-91.0pp | 89.72%-76.8pp | 172.34%-159.5pp |
| Employer contribution / active EE | $747 | $4,769-84.3% | $4,268-82.5% | $4,379-82.9% |
| Participant deferral / active EE | $6,067 | $6,350-4.5% | $5,630+7.8% | $6,730-9.9% |
| Admin fee / account holder | $964 | $18,654-94.8% | $16,006-94.0% | $14,365-93.3% |