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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 | $77,693 | $208,088-62.7% | $186,193-58.3% | $154,746-49.8% |
| Participation rate | 50.0% | 80.0%-30.0pp | 77.1%-27.1pp | 80.7%-30.7pp |
| Annual return | 16.72% | 89.97%-73.3pp | 78.03%-61.3pp | 172.34%-155.6pp |
| Employer contribution / active EE | $369 | $4,340-91.5% | $3,918-90.6% | $4,379-91.6% |
| Participant deferral / active EE | $2,544 | $7,078-64.1% | $6,513-60.9% | $6,730-62.2% |
| Admin fee / account holder | $7,682 | $11,698-34.3% | $11,058-30.5% | $14,365-46.5% |