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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 | $90,851 | $217,427-58.2% | $185,837-51.1% | $167,518-45.8% |
| Participation rate | 42.9% | 86.0%-43.2pp | 81.7%-38.8pp | 82.1%-39.3pp |
| Annual return | 19.68% | 148.39%-128.7pp | 122.08%-102.4pp | 478.71%-459.0pp |
| Employer contribution / active EE | $1,087 | $5,874-81.5% | $5,168-79.0% | $4,838-77.5% |
| Participant deferral / active EE | $5,732 | $6,357-9.8% | $5,568+2.9% | $6,342-9.6% |
| Admin fee / account holder | $626 | $19,816-96.8% | $16,241-96.1% | $12,312-94.9% |