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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 | $71,472 | $211,288-66.2% | $178,540-60.0% | $145,884-51.0% |
| Participation rate | 18.2% | 80.8%-62.6pp | 77.1%-58.9pp | 80.3%-62.1pp |
| Annual return | 24.30% | 30.27%-6.0pp | 27.15%-2.9pp | 551.85%-527.6pp |
| Employer contribution / active EE | $212 | $4,574-95.4% | $3,953-94.6% | $4,662-95.4% |
| Participant deferral / active EE | $2,091 | $6,967-70.0% | $6,281-66.7% | $6,690-68.7% |
| Admin fee / account holder | $1,407 | $12,105-88.4% | $10,424-86.5% | $13,392-89.5% |