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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 | $105,269 | $172,111-38.8% | $150,298-30.0% | $137,256-23.3% |
| Participation rate | 41.7% | 81.7%-40.0pp | 77.8%-36.1pp | 80.0%-38.3pp |
| Annual return | 17.49% | 69.37%-51.9pp | 62.79%-45.3pp | 220.34%-202.8pp |
| Employer contribution / active EE | $599 | $4,636-87.1% | $4,154-85.6% | $4,156-85.6% |
| Participant deferral / active EE | $4,717 | $6,166-23.5% | $5,453-13.5% | $6,407-26.4% |
| Admin fee / account holder | $1,108 | $16,471-93.3% | $14,116-92.2% | $12,270-91.0% |