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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 | $24,472 | $183,516-86.7% | $155,534-84.3% | $145,884-83.2% |
| Participation rate | 62.5% | 82.7%-20.2pp | 78.2%-15.7pp | 80.3%-17.8pp |
| Annual return | 9.81% | 61.43%-51.6pp | 64.92%-55.1pp | 551.85%-542.0pp |
| Employer contribution / active EE | $1,029 | $5,315-80.6% | $4,675-78.0% | $4,662-77.9% |
| Participant deferral / active EE | $2,948 | $6,467-54.4% | $5,630-47.6% | $6,690-55.9% |
| Admin fee / account holder | $476 | $19,293-97.5% | $15,900-97.0% | $13,392-96.4% |