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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 | $87,193 | $133,998-34.9% | $112,263-22.3% | $134,545-35.2% |
| Participation rate | 18.8% | 78.6%-59.8pp | 75.1%-56.3pp | 81.2%-62.5pp |
| Annual return | 4.23% | 47.17%-42.9pp | 27.49%-23.3pp | 418.37%-414.1pp |
| Employer contribution / active EE | $589 | $4,040-85.4% | $3,636-83.8% | $4,742-87.6% |
| Participant deferral / active EE | $2,581 | $5,292-51.2% | $4,729-45.4% | $6,401-59.7% |
| Admin fee / account holder | $8,835 | $7,493+17.9% | $6,410+37.8% | $11,431-22.7% |