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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 | $62,696 | $183,516-65.8% | $155,534-59.7% | $145,884-57.0% |
| Participation rate | 58.8% | 82.7%-23.9pp | 78.2%-19.4pp | 80.3%-21.5pp |
| Annual return | 9.59% | 61.43%-51.8pp | 64.92%-55.3pp | 551.85%-542.3pp |
| Employer contribution / active EE | $992 | $5,315-81.3% | $4,675-78.8% | $4,662-78.7% |
| Participant deferral / active EE | $4,268 | $6,467-34.0% | $5,630-24.2% | $6,690-36.2% |
| Admin fee / account holder | $6,182 | $19,293-68.0% | $15,900-61.1% | $13,392-53.8% |