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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 | $87,661 | $227,597-61.5% | $189,575-53.8% | $167,536-47.7% |
| Participation rate | 66.7% | 82.5%-15.8pp | 78.4%-11.8pp | 82.1%-15.4pp |
| Annual return | 13.30% | 78.44%-65.1pp | 64.19%-50.9pp | 478.82%-465.5pp |
| Employer contribution / active EE | $364 | $5,316-93.2% | $4,412-91.8% | $4,839-92.5% |
| Participant deferral / active EE | $3,232 | $7,002-53.8% | $6,174-47.6% | $6,342-49.0% |
| Admin fee / account holder | $387 | $11,877-96.7% | $9,806-96.0% | $12,315-96.9% |