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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 | $98,278 | $209,425-53.1% | $178,499-44.9% | $158,966-38.2% |
| Participation rate | 27.8% | 86.4%-58.6pp | 81.9%-54.2pp | 82.0%-54.2pp |
| Annual return | 17.73% | 188.80%-171.1pp | 151.10%-133.4pp | 302.95%-285.2pp |
| Employer contribution / active EE | $807 | $5,707-85.9% | $5,011-83.9% | $4,762-83.1% |
| Participant deferral / active EE | $3,764 | $5,955-36.8% | $5,202-27.7% | $5,983-37.1% |
| Admin fee / account holder | $11,485 | $17,078-32.8% | $13,986-17.9% | $11,250+2.1% |