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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 | $217,427-57.8% | $185,837-50.6% | $167,518-45.2% |
| Participation rate | 47.4% | 86.0%-38.7pp | 81.7%-34.3pp | 82.1%-34.7pp |
| Annual return | 10.60% | 148.39%-137.8pp | 122.08%-111.5pp | 478.71%-468.1pp |
| Employer contribution / active EE | $800 | $5,874-86.4% | $5,168-84.5% | $4,838-83.5% |
| Participant deferral / active EE | $3,230 | $6,357-49.2% | $5,568-42.0% | $6,342-49.1% |
| Admin fee / account holder | $2,715 | $19,816-86.3% | $16,241-83.3% | $12,312-78.0% |