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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 | $75,003 | $107,363-30.1% | $92,909-19.3% | $152,897-50.9% |
| Participation rate | 11.1% | 79.8%-68.7pp | 76.0%-64.9pp | 82.5%-71.3pp |
| Annual return | 32.36% | 145.63%-113.3pp | 109.44%-77.1pp | 345.43%-313.1pp |
| Employer contribution / active EE | $491 | $4,222-88.4% | $3,653-86.6% | $4,764-89.7% |
| Participant deferral / active EE | $2,778 | $4,848-42.7% | $4,238-34.5% | $5,851-52.5% |
| Admin fee / account holder | $371 | $7,082-94.8% | $5,795-93.6% | $11,599-96.8% |