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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 | $25,388 | $183,516-86.2% | $155,534-83.7% | $145,884-82.6% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.7pp | 80.3%-24.7pp |
| Annual return | 10.01% | 61.43%-51.4pp | 64.92%-54.9pp | 551.85%-541.8pp |
| Employer contribution / active EE | $1,015 | $5,315-80.9% | $4,675-78.3% | $4,662-78.2% |
| Participant deferral / active EE | $2,103 | $6,467-67.5% | $5,630-62.7% | $6,690-68.6% |
| Admin fee / account holder | $1,561 | $19,293-91.9% | $15,900-90.2% | $13,392-88.3% |