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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 | $102,427 | $115,814-11.6% | $101,275+1.1% | $158,982-35.6% |
| Participation rate | 60.0% | 79.4%-19.4pp | 75.8%-15.8pp | 82.0%-22.0pp |
| Annual return | 14.29% | 56.16%-41.9pp | 46.48%-32.2pp | 302.99%-288.7pp |
| Employer contribution / active EE | $519 | $4,176-87.6% | $3,660-85.8% | $4,763-89.1% |
| Participant deferral / active EE | $5,052 | $4,958+1.9% | $4,371+15.6% | $5,983-15.6% |
| Admin fee / account holder | $639 | $7,249-91.2% | $5,948-89.3% | $11,252-94.3% |