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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 | $42,806 | $60,243-28.9% | $86,656-50.6% | - |
| Participation rate | 59.6% | 60.8%-1.2pp | 71.7%-12.1pp | - |
| Annual return | 20.09% | 59.27%-39.2pp | 593.09%-573.0pp | - |
| Employer contribution / active EE | $623 | $2,261-72.4% | $3,025-79.4% | - |
| Participant deferral / active EE | $2,588 | $2,994-13.6% | $4,439-41.7% | - |
| Admin fee / account holder | $1,765 | $4,652-62.1% | $5,619-68.6% | - |