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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 | $60,522 | $215,361-71.9% | $171,082-64.6% | $273,972-77.9% |
| Participation rate | 55.6% | 82.0%-26.5pp | 76.7%-21.1pp | 83.0%-27.5pp |
| Annual return | 6.28% | 25.14%-18.9pp | 32.56%-26.3pp | 41.46%-35.2pp |
| Employer contribution / active EE | $241 | $4,967-95.2% | $4,002-94.0% | $4,869-95.1% |
| Participant deferral / active EE | $4,815 | $5,543-13.1% | $4,797+0.4% | $5,287-8.9% |
| Admin fee / account holder | $451 | $10,846-95.8% | $8,520-94.7% | $10,133-95.6% |