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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 | $46,295 | $209,425-77.9% | $178,499-74.1% | $158,966-70.9% |
| Participation rate | 57.1% | 86.4%-29.2pp | 81.9%-24.8pp | 82.0%-24.8pp |
| Annual return | 11.17% | 188.80%-177.6pp | 151.10%-139.9pp | 302.95%-291.8pp |
| Employer contribution / active EE | $958 | $5,707-83.2% | $5,011-80.9% | $4,762-79.9% |
| Participant deferral / active EE | $3,591 | $5,955-39.7% | $5,202-31.0% | $5,983-40.0% |
| Admin fee / account holder | $14,590 | $17,078-14.6% | $13,986+4.3% | $11,250+29.7% |