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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 | $109,699 | $183,627-40.3% | $155,602-29.5% | $145,978-24.9% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 15.35% | 61.32%-46.0pp | 64.81%-49.5pp | 550.52%-535.2pp |
| Employer contribution / active EE | $31 | $5,316-99.4% | $4,675-99.3% | $4,662-99.3% |
| Participant deferral / active EE | $2,331 | $6,466-63.9% | $5,629-58.6% | $6,690-65.1% |
| Admin fee / account holder | $28,842 | $19,327+49.2% | $15,923+81.1% | $13,400+115.2% |