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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 | $118,992 | $165,361-28.0% | $149,715-20.5% | $158,950-25.1% |
| Participation rate | 33.3% | 84.6%-51.2pp | 82.5%-49.1pp | 82.0%-48.6pp |
| Annual return | 17.53% | 348.24%-330.7pp | 276.66%-259.1pp | 302.91%-285.4pp |
| Employer contribution / active EE | $607 | $5,103-88.1% | $4,645-86.9% | $4,762-87.3% |
| Participant deferral / active EE | $2,694 | $7,182-62.5% | $6,842-60.6% | $5,983-55.0% |
| Admin fee / account holder | $1,278 | $10,808-88.2% | $9,310-86.3% | $11,248-88.6% |