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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 | $50,765 | $99,994-49.2% | $146,643-65.4% | $85,847-40.9% |
| Participation rate | 68.8% | 73.1%-4.3pp | 80.1%-11.3pp | 69.3%-0.6pp |
| Annual return | 17.65% | 18.93%-1.3pp | 22.75%-5.1pp | 318.61%-301.0pp |
| Employer contribution / active EE | $191 | $2,559-92.5% | $4,137-95.4% | $2,565-92.5% |
| Participant deferral / active EE | $4,051 | $4,006+1.1% | $5,506-26.4% | $3,952+2.5% |
| Admin fee / account holder | $7,464 | $7,703-3.1% | $10,280-27.4% | $6,261+19.2% |