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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 | $49,158 | $107,363-54.2% | $92,909-47.1% | $152,897-67.8% |
| Participation rate | 36.4% | 79.8%-43.4pp | 76.0%-39.6pp | 82.5%-46.1pp |
| Annual return | 19.87% | 145.63%-125.8pp | 109.44%-89.6pp | 345.43%-325.6pp |
| Employer contribution / active EE | $618 | $4,222-85.4% | $3,653-83.1% | $4,764-87.0% |
| Participant deferral / active EE | $1,718 | $4,848-64.6% | $4,238-59.5% | $5,851-70.6% |
| Admin fee / account holder | $15,075 | $7,082+112.9% | $5,795+160.1% | $11,599+30.0% |