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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 | $48,123 | $138,114-65.2% | $125,391-61.6% | $134,545-64.2% |
| Participation rate | 42.1% | 84.5%-42.4pp | 82.4%-40.3pp | 81.2%-39.1pp |
| Annual return | -11.30% | 750.88%-762.2pp | 572.41%-583.7pp | 418.37%-429.7pp |
| Employer contribution / active EE | $687 | $5,246-86.9% | $4,816-85.7% | $4,742-85.5% |
| Participant deferral / active EE | $3,553 | $7,801-54.4% | $7,448-52.3% | $6,401-44.5% |
| Admin fee / account holder | $1,338 | $11,570-88.4% | $10,009-86.6% | $11,431-88.3% |