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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 | $58,152 | $209,428-72.2% | $178,498-67.4% | $158,950-63.4% |
| Participation rate | 64.7% | 86.4%-21.6pp | 81.9%-17.2pp | 82.0%-17.3pp |
| Annual return | 18.80% | 188.78%-170.0pp | 151.09%-132.3pp | 302.91%-284.1pp |
| Employer contribution / active EE | $999 | $5,707-82.5% | $5,011-80.1% | $4,762-79.0% |
| Participant deferral / active EE | $3,849 | $5,955-35.4% | $5,202-26.0% | $5,983-35.7% |
| Admin fee / account holder | $795 | $17,077-95.3% | $13,985-94.3% | $11,248-92.9% |