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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 | $27,414 | $115,814-76.3% | $101,275-72.9% | $158,982-82.8% |
| Participation rate | 61.1% | 79.4%-18.3pp | 75.8%-14.7pp | 82.0%-20.9pp |
| Annual return | 11.45% | 56.16%-44.7pp | 46.48%-35.0pp | 302.99%-291.5pp |
| Employer contribution / active EE | $505 | $4,176-87.9% | $3,660-86.2% | $4,763-89.4% |
| Participant deferral / active EE | $1,442 | $4,958-70.9% | $4,371-67.0% | $5,983-75.9% |
| Admin fee / account holder | $3,263 | $7,249-55.0% | $5,948-45.1% | $11,252-71.0% |