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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 | $61,524 | $168,636-63.5% | $147,618-58.3% | $125,388-50.9% |
| Participation rate | 16.7% | 88.8%-72.1pp | 84.6%-68.0pp | 83.2%-66.5pp |
| Annual return | -1.50% | 77.65%-79.2pp | 61.98%-63.5pp | 282.24%-283.7pp |
| Employer contribution / active EE | $444 | $6,252-92.9% | $5,565-92.0% | $4,866-90.9% |
| Participant deferral / active EE | $3,002 | $5,507-45.5% | $4,895-38.7% | $5,352-43.9% |
| Admin fee / account holder | $3,281 | $13,580-75.8% | $11,612-71.7% | $9,541-65.6% |