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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 | $79,708 | $165,381-51.8% | $149,730-46.8% | $158,966-49.9% |
| Participation rate | 11.1% | 84.6%-73.5pp | 82.5%-71.4pp | 82.0%-70.9pp |
| Annual return | 18.11% | 348.29%-330.2pp | 276.70%-258.6pp | 302.95%-284.8pp |
| Employer contribution / active EE | $0 | $5,104-100.0% | $4,645-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $2,778 | $7,182-61.3% | $6,843-59.4% | $5,983-53.6% |
| Admin fee / account holder | $786 | $10,809-92.7% | $9,310-91.6% | $11,250-93.0% |