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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 | $90,439 | $144,130-37.3% | $117,861-23.3% | $147,586-38.7% |
| Participation rate | 35.7% | 83.4%-47.7pp | 79.7%-44.0pp | 82.8%-47.1pp |
| Annual return | 15.94% | 531.20%-515.3pp | 335.11%-319.2pp | 578.59%-562.7pp |
| Employer contribution / active EE | $595 | $4,897-87.8% | $3,786-84.3% | $4,876-87.8% |
| Participant deferral / active EE | $4,399 | $5,316-17.2% | $4,482-1.8% | $5,439-19.1% |
| Admin fee / account holder | $387 | $10,887-96.4% | $8,021-95.2% | $10,886-96.4% |