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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 | $120,833 | $148,582-18.7% | $135,942-11.1% | $139,456-13.4% |
| Participation rate | 36.4% | 83.9%-47.5pp | 81.9%-45.5pp | 80.3%-44.0pp |
| Annual return | 18.22% | 79.26%-61.0pp | 68.28%-50.1pp | 373.45%-355.2pp |
| Employer contribution / active EE | $37 | $5,245-99.3% | $4,858-99.2% | $4,753-99.2% |
| Participant deferral / active EE | $8,670 | $8,101+7.0% | $7,759+11.7% | $6,711+29.2% |
| Admin fee / account holder | $1,452 | $12,402-88.3% | $10,764-86.5% | $11,407-87.3% |