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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 | $91,748 | $217,432-57.8% | $185,849-50.6% | $167,536-45.2% |
| Participation rate | 47.4% | 86.1%-38.7pp | 81.7%-34.3pp | 82.1%-34.7pp |
| Annual return | 10.60% | 148.42%-137.8pp | 122.10%-111.5pp | 478.82%-468.2pp |
| Employer contribution / active EE | $800 | $5,875-86.4% | $5,169-84.5% | $4,839-83.5% |
| Participant deferral / active EE | $3,230 | $6,357-49.2% | $5,569-42.0% | $6,342-49.1% |
| Admin fee / account holder | $2,715 | $19,818-86.3% | $16,244-83.3% | $12,315-78.0% |