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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 | $106,573 | $81,208+31.2% | $98,920+7.7% | $79,856+33.5% |
| Participation rate | 51.5% | 72.5%-21.0pp | 76.0%-24.5pp | 69.6%-18.1pp |
| Annual return | 10.93% | 60.99%-50.1pp | 196.47%-185.5pp | 31.71%-20.8pp |
| Employer contribution / active EE | $205 | $1,960-89.5% | $2,689-92.4% | $2,471-91.7% |
| Participant deferral / active EE | $1,447 | $3,265-55.7% | $4,245-65.9% | $3,741-61.3% |
| Admin fee / account holder | $3,054 | $6,013-49.2% | $6,643-54.0% | $5,306-42.4% |