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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 | $73,799 | $201,370-63.4% | $184,256-59.9% | $145,897-49.4% |
| Participation rate | 22.2% | 87.5%-65.3pp | 86.8%-64.6pp | 80.3%-58.1pp |
| Annual return | 22.65% | 29.05%-6.4pp | 28.85%-6.2pp | 552.29%-529.6pp |
| Employer contribution / active EE | $1,447 | $7,024-79.4% | $6,427-77.5% | $4,663-69.0% |
| Participant deferral / active EE | $3,520 | $9,808-64.1% | $9,133-61.5% | $6,689-47.4% |
| Admin fee / account holder | $3,730 | $16,364-77.2% | $13,899-73.2% | $13,390-72.1% |