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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 | $56,961 | $165,381-65.6% | $149,730-62.0% | $158,966-64.2% |
| Participation rate | 55.6% | 84.6%-29.0pp | 82.5%-26.9pp | 82.0%-26.4pp |
| Annual return | 14.26% | 348.29%-334.0pp | 276.70%-262.4pp | 302.95%-288.7pp |
| Employer contribution / active EE | $514 | $5,104-89.9% | $4,645-88.9% | $4,762-89.2% |
| Participant deferral / active EE | $5,961 | $7,182-17.0% | $6,843-12.9% | $5,983-0.4% |
| Admin fee / account holder | $627 | $10,809-94.2% | $9,310-93.3% | $11,250-94.4% |