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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 | $93,552 | $171,492-45.4% | $150,734-37.9% | $198,609-52.9% |
| Participation rate | 26.1% | 81.4%-55.3pp | 78.4%-52.4pp | 82.4%-56.3pp |
| Annual return | 14.84% | 804.70%-789.9pp | 600.81%-586.0pp | 202.70%-187.9pp |
| Employer contribution / active EE | $894 | $5,470-83.7% | $4,918-81.8% | $5,055-82.3% |
| Participant deferral / active EE | $3,887 | $6,259-37.9% | $5,610-30.7% | $6,977-44.3% |
| Admin fee / account holder | $4,020 | $17,628-77.2% | $14,905-73.0% | $19,030-78.9% |