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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 | $129,737-27.9% | $119,126-21.5% | $154,746-39.5% |
| Participation rate | 26.1% | 78.9%-52.8pp | 75.8%-49.7pp | 80.7%-54.6pp |
| Annual return | 14.84% | 379.08%-364.2pp | 282.11%-267.3pp | 172.34%-157.5pp |
| Employer contribution / active EE | $894 | $4,375-79.6% | $4,034-77.8% | $4,379-79.6% |
| Participant deferral / active EE | $3,887 | $5,842-33.5% | $5,318-26.9% | $6,730-42.2% |
| Admin fee / account holder | $4,020 | $11,961-66.4% | $10,693-62.4% | $14,365-72.0% |