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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 | $77,923 | $102,385-23.9% | $147,080-47.0% | $80,935-3.7% |
| Participation rate | 64.0% | 75.9%-11.9pp | 82.2%-18.2pp | 67.7%-3.7pp |
| Annual return | 12.00% | 135.09%-123.1pp | 420.17%-408.2pp | 35.66%-23.7pp |
| Employer contribution / active EE | $610 | $3,717-83.6% | $4,933-87.6% | $2,757-77.9% |
| Participant deferral / active EE | $3,612 | $6,651-45.7% | $8,066-55.2% | $4,299-16.0% |
| Admin fee / account holder | $967 | $7,951-87.8% | $12,989-92.6% | $6,924-86.0% |