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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 | $110,379-2.7% | $102,412+4.9% | $145,884-26.4% |
| Participation rate | 16.7% | 77.9%-61.3pp | 74.5%-57.8pp | 80.3%-63.6pp |
| Annual return | 14.23% | 24.84%-10.6pp | 24.94%-10.7pp | 551.85%-537.6pp |
| Employer contribution / active EE | $508 | $4,216-88.0% | $3,870-86.9% | $4,662-89.1% |
| Participant deferral / active EE | $5,000 | $5,622-11.1% | $5,060-1.2% | $6,690-25.3% |
| Admin fee / account holder | $703 | $9,745-92.8% | $8,388-91.6% | $13,392-94.8% |