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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 | $61,665 | $135,956-54.6% | $123,894-50.2% | $273,972-77.5% |
| Participation rate | 61.5% | 84.1%-22.5pp | 81.4%-19.9pp | 83.0%-21.5pp |
| Annual return | 8.73% | 56.63%-47.9pp | 47.52%-38.8pp | 41.46%-32.7pp |
| Employer contribution / active EE | $276 | $5,170-94.7% | $4,617-94.0% | $4,869-94.3% |
| Participant deferral / active EE | $2,050 | $6,343-67.7% | $5,984-65.7% | $5,287-61.2% |
| Admin fee / account holder | $6,033 | $9,817-38.5% | $8,357-27.8% | $10,133-40.5% |