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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 | $132,781 | $211,224-37.1% | $178,505-25.6% | $145,897-9.0% |
| Participation rate | 13.0% | 80.8%-67.8pp | 77.1%-64.1pp | 80.3%-67.3pp |
| Annual return | 8.30% | 30.28%-22.0pp | 27.16%-18.9pp | 552.29%-544.0pp |
| Employer contribution / active EE | $278 | $4,577-93.9% | $3,955-93.0% | $4,663-94.0% |
| Participant deferral / active EE | $1,284 | $6,966-81.6% | $6,280-79.5% | $6,689-80.8% |
| Admin fee / account holder | $4,268 | $12,109-64.8% | $10,428-59.1% | $13,390-68.1% |