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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 | $50,110 | $175,231-71.4% | $149,696-66.5% | $139,466-64.1% |
| Participation rate | 66.7% | 83.4%-16.7pp | 78.8%-12.1pp | 80.3%-13.7pp |
| Annual return | 16.40% | 166.77%-150.4pp | 134.46%-118.1pp | 373.66%-357.3pp |
| Employer contribution / active EE | $1,002 | $5,478-81.7% | $4,821-79.2% | $4,754-78.9% |
| Participant deferral / active EE | $4,959 | $6,521-24.0% | $5,682-12.7% | $6,712-26.1% |
| Admin fee / account holder | $1,595 | $16,155-90.1% | $13,212-87.9% | $11,409-86.0% |