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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 | $107,412 | $111,814-3.9% | $103,378+3.9% | $145,978-26.4% |
| Participation rate | 16.7% | 77.9%-61.3pp | 74.5%-57.8pp | 80.3%-63.6pp |
| Annual return | 14.23% | 24.80%-10.6pp | 24.91%-10.7pp | 550.52%-536.3pp |
| Employer contribution / active EE | $508 | $4,215-87.9% | $3,870-86.9% | $4,662-89.1% |
| Participant deferral / active EE | $5,000 | $5,618-11.0% | $5,058-1.1% | $6,690-25.3% |
| Admin fee / account holder | $703 | $9,764-92.8% | $8,401-91.6% | $13,400-94.8% |