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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 | $58,855 | $144,130-59.2% | $117,861-50.1% | $147,586-60.1% |
| Participation rate | 66.7% | 83.4%-16.8pp | 79.7%-13.0pp | 82.8%-16.2pp |
| Annual return | 9.88% | 531.20%-521.3pp | 335.11%-325.2pp | 578.59%-568.7pp |
| Employer contribution / active EE | $420 | $4,897-91.4% | $3,786-88.9% | $4,876-91.4% |
| Participant deferral / active EE | $14,000 | $5,316+163.3% | $4,482+212.4% | $5,439+157.4% |
| Admin fee / account holder | $317 | $10,887-97.1% | $8,021-96.0% | $10,886-97.1% |