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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 | $109,212 | $183,516-40.5% | $155,534-29.8% | $145,884-25.1% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 8.86% | 61.43%-52.6pp | 64.92%-56.1pp | 551.85%-543.0pp |
| Employer contribution / active EE | $877 | $5,315-83.5% | $4,675-81.2% | $4,662-81.2% |
| Participant deferral / active EE | $3,751 | $6,467-42.0% | $5,630-33.4% | $6,690-43.9% |
| Admin fee / account holder | $40,721 | $19,293+111.1% | $15,900+156.1% | $13,392+204.1% |