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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 | $49,478 | $175,257-71.8% | $149,717-67.0% | $139,456-64.5% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 13.70% | 166.70%-153.0pp | 134.41%-120.7pp | 373.45%-359.7pp |
| Employer contribution / active EE | $351 | $5,477-93.6% | $4,820-92.7% | $4,753-92.6% |
| Participant deferral / active EE | $2,663 | $6,521-59.2% | $5,682-53.1% | $6,711-60.3% |
| Admin fee / account holder | $35,662 | $16,156+120.7% | $13,213+169.9% | $11,407+212.6% |