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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 | $80,711 | $106,247-24.0% | $96,515-16.4% | $139,466-42.1% |
| Participation rate | 11.8% | 77.8%-66.1pp | 74.3%-62.6pp | 80.3%-68.6pp |
| Annual return | 14.90% | 38.47%-23.6pp | 35.73%-20.8pp | 373.66%-358.8pp |
| Employer contribution / active EE | $123 | $4,106-97.0% | $3,740-96.7% | $4,754-97.4% |
| Participant deferral / active EE | $1,400 | $5,456-74.3% | $4,880-71.3% | $6,712-79.1% |
| Admin fee / account holder | $885 | $7,885-88.8% | $6,735-86.9% | $11,409-92.2% |