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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 | $57,057 | $183,539-68.9% | $155,556-63.3% | $145,897-60.9% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 12.38% | 61.31%-48.9pp | 64.84%-52.5pp | 552.29%-539.9pp |
| Employer contribution / active EE | $898 | $5,315-83.1% | $4,675-80.8% | $4,663-80.8% |
| Participant deferral / active EE | $4,393 | $6,467-32.1% | $5,631-22.0% | $6,689-34.3% |
| Admin fee / account holder | $6,150 | $19,275-68.1% | $15,885-61.3% | $13,390-54.1% |