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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 | $54,123 | $185,312-70.8% | $161,489-66.5% | $154,746-65.0% |
| Participation rate | 57.9% | 82.5%-24.6pp | 78.7%-20.8pp | 80.7%-22.8pp |
| Annual return | 13.38% | 103.84%-90.5pp | 89.72%-76.3pp | 172.34%-159.0pp |
| Employer contribution / active EE | $888 | $4,769-81.4% | $4,268-79.2% | $4,379-79.7% |
| Participant deferral / active EE | $3,934 | $6,350-38.1% | $5,630-30.1% | $6,730-41.6% |
| Admin fee / account holder | $331 | $18,654-98.2% | $16,006-97.9% | $14,365-97.7% |