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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 | $38,641 | $129,737-70.2% | $119,126-67.6% | $154,746-75.0% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 11.12% | 379.08%-368.0pp | 282.11%-271.0pp | 172.34%-161.2pp |
| Employer contribution / active EE | $639 | $4,375-85.4% | $4,034-84.1% | $4,379-85.4% |
| Participant deferral / active EE | $2,813 | $5,842-51.8% | $5,318-47.1% | $6,730-58.2% |
| Admin fee / account holder | $4,496 | $11,961-62.4% | $10,693-58.0% | $14,365-68.7% |