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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 | $84,221 | $168,635-50.1% | $147,617-42.9% | $125,389-32.8% |
| Participation rate | 50.0% | 88.8%-38.8pp | 84.6%-34.6pp | 83.2%-33.2pp |
| Annual return | 4.67% | 77.65%-73.0pp | 61.98%-57.3pp | 282.24%-277.6pp |
| Employer contribution / active EE | $858 | $6,252-86.3% | $5,564-84.6% | $4,866-82.4% |
| Participant deferral / active EE | $5,804 | $5,507+5.4% | $4,895+18.6% | $5,352+8.5% |
| Admin fee / account holder | $737 | $13,580-94.6% | $11,612-93.7% | $9,541-92.3% |