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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 | $97,363 | $96,508+0.9% | $75,901+28.3% | $152,897-36.3% |
| Participation rate | 58.8% | 76.2%-17.4pp | 69.3%-10.5pp | 82.5%-23.6pp |
| Annual return | 0.00% | 33.99%-34.0pp | 30.76%-30.8pp | 345.43%-345.4pp |
| Employer contribution / active EE | $298 | $3,310-91.0% | $2,501-88.1% | $4,764-93.7% |
| Participant deferral / active EE | $2,048 | $4,554-55.0% | $3,603-43.2% | $5,851-65.0% |
| Admin fee / account holder | $2,089 | $8,081-74.1% | $5,420-61.5% | $11,599-82.0% |