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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 | $69,197 | $185,312-62.7% | $161,489-57.2% | $154,746-55.3% |
| Participation rate | 60.9% | 82.5%-21.6pp | 78.7%-17.8pp | 80.7%-19.8pp |
| Annual return | 44.37% | 103.84%-59.5pp | 89.72%-45.4pp | 172.34%-128.0pp |
| Employer contribution / active EE | $261 | $4,769-94.5% | $4,268-93.9% | $4,379-94.0% |
| Participant deferral / active EE | $2,934 | $6,350-53.8% | $5,630-47.9% | $6,730-56.4% |
| Admin fee / account holder | $956 | $18,654-94.9% | $16,006-94.0% | $14,365-93.3% |