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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 | $174,379-13.6% | $152,093-1.0% | $138,895+8.4% |
| Participation rate | 66.7% | 81.6%-15.0pp | 77.8%-11.1pp | 79.9%-13.3pp |
| Annual return | 12.88% | 74.86%-62.0pp | 66.36%-53.5pp | 145.39%-132.5pp |
| Employer contribution / active EE | $747 | $4,652-83.9% | $4,175-82.1% | $4,194-82.2% |
| Participant deferral / active EE | $6,067 | $6,159-1.5% | $5,451+11.3% | $6,396-5.2% |
| Admin fee / account holder | $964 | $16,880-94.3% | $14,497-93.4% | $12,562-92.3% |