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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 | $114,469 | $217,432-47.4% | $185,851-38.4% | $167,553-31.7% |
| Participation rate | 62.5% | 86.1%-23.6pp | 81.7%-19.2pp | 82.1%-19.6pp |
| Annual return | 13.11% | 148.43%-135.3pp | 122.11%-109.0pp | 478.89%-465.8pp |
| Employer contribution / active EE | $944 | $5,874-83.9% | $5,168-81.7% | $4,840-80.5% |
| Participant deferral / active EE | $5,167 | $6,357-18.7% | $5,569-7.2% | $6,343-18.5% |
| Admin fee / account holder | $4,762 | $19,820-76.0% | $16,245-70.7% | $12,316-61.3% |