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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 | $110,049 | $175,231-37.2% | $149,696-26.5% | $139,466-21.1% |
| Participation rate | 61.5% | 83.4%-21.9pp | 78.8%-17.2pp | 80.3%-18.8pp |
| Annual return | 17.27% | 166.77%-149.5pp | 134.46%-117.2pp | 373.66%-356.4pp |
| Employer contribution / active EE | $934 | $5,478-83.0% | $4,821-80.6% | $4,754-80.4% |
| Participant deferral / active EE | $9,336 | $6,521+43.2% | $5,682+64.3% | $6,712+39.1% |
| Admin fee / account holder | $1,765 | $16,155-89.1% | $13,212-86.6% | $11,409-84.5% |