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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 | $67,895 | $165,381-58.9% | $149,730-54.7% | $158,966-57.3% |
| Participation rate | 46.7% | 84.6%-37.9pp | 82.5%-35.8pp | 82.0%-35.3pp |
| Annual return | 20.11% | 348.29%-328.2pp | 276.70%-256.6pp | 302.95%-282.8pp |
| Employer contribution / active EE | $693 | $5,104-86.4% | $4,645-85.1% | $4,762-85.4% |
| Participant deferral / active EE | $6,717 | $7,182-6.5% | $6,843-1.8% | $5,983+12.3% |
| Admin fee / account holder | $4,562 | $10,809-57.8% | $9,310-51.0% | $11,250-59.4% |