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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 | $135,672 | $107,368+26.4% | $92,915+46.0% | $152,909-11.3% |
| Participation rate | 17.4% | 79.8%-62.4pp | 76.0%-58.6pp | 82.5%-65.1pp |
| Annual return | 25.53% | 145.64%-120.1pp | 109.45%-83.9pp | 345.46%-319.9pp |
| Employer contribution / active EE | $583 | $4,222-86.2% | $3,653-84.0% | $4,764-87.8% |
| Participant deferral / active EE | $2,625 | $4,848-45.9% | $4,238-38.1% | $5,851-55.1% |
| Admin fee / account holder | $556 | $7,082-92.1% | $5,796-90.4% | $11,601-95.2% |