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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 | $88,301 | $152,619-42.1% | $125,195-29.5% | $152,909-42.3% |
| Participation rate | 69.6% | 83.3%-13.8pp | 79.8%-10.2pp | 82.5%-12.9pp |
| Annual return | 16.02% | 54.85%-38.8pp | 43.79%-27.8pp | 345.46%-329.4pp |
| Employer contribution / active EE | $645 | $4,947-87.0% | $3,866-83.3% | $4,764-86.5% |
| Participant deferral / active EE | $4,708 | $5,869-19.8% | $4,937-4.7% | $5,851-19.5% |
| Admin fee / account holder | $405 | $13,437-97.0% | $9,704-95.8% | $11,601-96.5% |