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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 | $211,105-37.1% | $178,449-25.6% | $145,978-9.0% |
| Participation rate | 13.0% | 80.8%-67.7pp | 77.1%-64.1pp | 80.3%-67.2pp |
| Annual return | 8.30% | 30.19%-21.9pp | 27.09%-18.8pp | 550.52%-542.2pp |
| Employer contribution / active EE | $278 | $4,569-93.9% | $3,951-93.0% | $4,662-94.0% |
| Participant deferral / active EE | $1,284 | $6,959-81.5% | $6,277-79.5% | $6,690-80.8% |
| Admin fee / account holder | $4,268 | $12,017-64.5% | $10,362-58.8% | $13,400-68.1% |