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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 | $76,761 | $185,312-58.6% | $161,489-52.5% | $154,746-50.4% |
| Participation rate | 27.3% | 82.5%-55.2pp | 78.7%-51.4pp | 80.7%-53.4pp |
| Annual return | 17.49% | 103.84%-86.3pp | 89.72%-72.2pp | 172.34%-154.8pp |
| Employer contribution / active EE | $925 | $4,769-80.6% | $4,268-78.3% | $4,379-78.9% |
| Participant deferral / active EE | $5,073 | $6,350-20.1% | $5,630-9.9% | $6,730-24.6% |
| Admin fee / account holder | $65,532 | $18,654+251.3% | $16,006+309.4% | $14,365+356.2% |