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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 | $74,936 | $185,312-59.6% | $161,489-53.6% | $154,746-51.6% |
| Participation rate | 57.1% | 82.5%-25.3pp | 78.7%-21.6pp | 80.7%-23.6pp |
| Annual return | 11.22% | 103.84%-92.6pp | 89.72%-78.5pp | 172.34%-161.1pp |
| Employer contribution / active EE | $980 | $4,769-79.5% | $4,268-77.0% | $4,379-77.6% |
| Participant deferral / active EE | $9,171 | $6,350+44.4% | $5,630+62.9% | $6,730+36.3% |
| Admin fee / account holder | $349,061 | $18,654+1771.2% | $16,006+2080.9% | $14,365+2329.9% |