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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 | $54,220 | $110,410-50.9% | $102,437-47.1% | $145,897-62.8% |
| Participation rate | 55.6% | 77.9%-22.4pp | 74.5%-19.0pp | 80.3%-24.8pp |
| Annual return | 18.62% | 24.85%-6.2pp | 24.95%-6.3pp | 552.29%-533.7pp |
| Employer contribution / active EE | $502 | $4,217-88.1% | $3,871-87.0% | $4,663-89.2% |
| Participant deferral / active EE | $3,935 | $5,622-30.0% | $5,060-22.2% | $6,689-41.2% |
| Admin fee / account holder | $11,319 | $9,745+16.2% | $8,388+34.9% | $13,390-15.5% |