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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 | $169,274 | $106,247+59.3% | $96,515+75.4% | $139,466+21.4% |
| Participation rate | 30.8% | 77.8%-47.1pp | 74.3%-43.6pp | 80.3%-49.6pp |
| Annual return | 18.30% | 38.47%-20.2pp | 35.73%-17.4pp | 373.66%-355.4pp |
| Employer contribution / active EE | $580 | $4,106-85.9% | $3,740-84.5% | $4,754-87.8% |
| Participant deferral / active EE | $3,979 | $5,456-27.1% | $4,880-18.5% | $6,712-40.7% |
| Admin fee / account holder | $898 | $7,885-88.6% | $6,735-86.7% | $11,409-92.1% |