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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 | $51,234 | $144,130-64.5% | $117,861-56.5% | $147,586-65.3% |
| Participation rate | 25.0% | 83.4%-58.4pp | 79.7%-54.7pp | 82.8%-57.8pp |
| Annual return | 18.44% | 531.20%-512.8pp | 335.11%-316.7pp | 578.59%-560.2pp |
| Employer contribution / active EE | $288 | $4,897-94.1% | $3,786-92.4% | $4,876-94.1% |
| Participant deferral / active EE | $3,738 | $5,316-29.7% | $4,482-16.6% | $5,439-31.3% |
| Admin fee / account holder | $3,248 | $10,887-70.2% | $8,021-59.5% | $10,886-70.2% |