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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 | $50,597 | $209,422-75.8% | $178,503-71.7% | $158,982-68.2% |
| Participation rate | 53.3% | 86.4%-33.0pp | 81.9%-28.6pp | 82.0%-28.6pp |
| Annual return | 13.42% | 188.81%-175.4pp | 151.12%-137.7pp | 302.99%-289.6pp |
| Employer contribution / active EE | $738 | $5,707-87.1% | $5,011-85.3% | $4,763-84.5% |
| Participant deferral / active EE | $4,153 | $5,955-30.3% | $5,202-20.2% | $5,983-30.6% |
| Admin fee / account holder | $1,605 | $17,079-90.6% | $13,987-88.5% | $11,252-85.7% |