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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 | $87,926 | $176,120-50.1% | $159,487-44.9% | $167,553-47.5% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 12.10% | 331.95%-319.8pp | 263.71%-251.6pp | 478.89%-466.8pp |
| Employer contribution / active EE | $500 | $5,299-90.6% | $4,831-89.7% | $4,840-89.7% |
| Participant deferral / active EE | $3,456 | $7,752-55.4% | $7,354-53.0% | $6,343-45.5% |
| Admin fee / account holder | $2,443 | $12,561-80.6% | $10,804-77.4% | $12,316-80.2% |