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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 | $89,119 | $175,231-49.1% | $149,696-40.5% | $139,466-36.1% |
| Participation rate | 37.5% | 83.4%-45.9pp | 78.8%-41.3pp | 80.3%-42.8pp |
| Annual return | 14.35% | 166.77%-152.4pp | 134.46%-120.1pp | 373.66%-359.3pp |
| Employer contribution / active EE | $828 | $5,478-84.9% | $4,821-82.8% | $4,754-82.6% |
| Participant deferral / active EE | $3,067 | $6,521-53.0% | $5,682-46.0% | $6,712-54.3% |
| Admin fee / account holder | $1,062 | $16,155-93.4% | $13,212-92.0% | $11,409-90.7% |