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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 | $90,855 | $183,516-50.5% | $155,534-41.6% | $145,884-37.7% |
| Participation rate | 42.9% | 82.7%-39.8pp | 78.2%-35.4pp | 80.3%-37.4pp |
| Annual return | 9.05% | 61.43%-52.4pp | 64.92%-55.9pp | 551.85%-542.8pp |
| Employer contribution / active EE | $350 | $5,315-93.4% | $4,675-92.5% | $4,662-92.5% |
| Participant deferral / active EE | $4,628 | $6,467-28.4% | $5,630-17.8% | $6,690-30.8% |
| Admin fee / account holder | $555,692 | $19,293+2780.2% | $15,900+3395.0% | $13,392+4049.5% |