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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 | $94,453 | $201,372-53.1% | $184,260-48.7% | $145,884-35.3% |
| Participation rate | 25.0% | 87.5%-62.5pp | 86.8%-61.8pp | 80.3%-55.3pp |
| Annual return | 23.54% | 29.04%-5.5pp | 28.84%-5.3pp | 551.85%-528.3pp |
| Employer contribution / active EE | $808 | $7,024-88.5% | $6,427-87.4% | $4,662-82.7% |
| Participant deferral / active EE | $4,664 | $9,808-52.4% | $9,133-48.9% | $6,690-30.3% |
| Admin fee / account holder | $921 | $16,362-94.4% | $13,898-93.4% | $13,392-93.1% |