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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 | $50,854 | $152,612-66.7% | $125,192-59.4% | $152,897-66.7% |
| Participation rate | 23.5% | 83.3%-59.8pp | 79.8%-56.3pp | 82.5%-58.9pp |
| Annual return | 30.16% | 54.85%-24.7pp | 43.79%-13.6pp | 345.43%-315.3pp |
| Employer contribution / active EE | $402 | $4,947-91.9% | $3,866-89.6% | $4,764-91.6% |
| Participant deferral / active EE | $2,542 | $5,868-56.7% | $4,937-48.5% | $5,851-56.6% |
| Admin fee / account holder | $7,404 | $13,437-44.9% | $9,704-23.7% | $11,599-36.2% |