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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 | $53,653 | $165,381-67.6% | $149,730-64.2% | $158,966-66.2% |
| Participation rate | 20.0% | 84.6%-64.6pp | 82.5%-62.5pp | 82.0%-62.0pp |
| Annual return | 9.58% | 348.29%-338.7pp | 276.70%-267.1pp | 302.95%-293.4pp |
| Employer contribution / active EE | $858 | $5,104-83.2% | $4,645-81.5% | $4,762-82.0% |
| Participant deferral / active EE | $3,922 | $7,182-45.4% | $6,843-42.7% | $5,983-34.5% |
| Admin fee / account holder | $9,315 | $10,809-13.8% | $9,310+0.1% | $11,250-17.2% |