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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 | $38,759 | $175,259-77.9% | $149,723-74.1% | $139,487-72.2% |
| Participation rate | 69.2% | 83.4%-14.2pp | 78.8%-9.5pp | 80.3%-11.1pp |
| Annual return | 23.62% | 166.82%-143.2pp | 134.50%-110.9pp | 373.84%-350.2pp |
| Employer contribution / active EE | $932 | $5,478-83.0% | $4,821-80.7% | $4,755-80.4% |
| Participant deferral / active EE | $5,945 | $6,522-8.8% | $5,682+4.6% | $6,713-11.4% |
| Admin fee / account holder | $320 | $16,158-98.0% | $13,215-97.6% | $11,407-97.2% |