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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 | $174,379-39.6% | $152,093-30.8% | $138,895-24.2% |
| Participation rate | 41.7% | 81.6%-40.0pp | 77.8%-36.1pp | 79.9%-38.3pp |
| Annual return | 17.49% | 74.86%-57.4pp | 66.36%-48.9pp | 145.39%-127.9pp |
| Employer contribution / active EE | $599 | $4,652-87.1% | $4,175-85.6% | $4,194-85.7% |
| Participant deferral / active EE | $4,717 | $6,159-23.4% | $5,451-13.5% | $6,396-26.3% |
| Admin fee / account holder | $1,108 | $16,880-93.4% | $14,497-92.4% | $12,562-91.2% |