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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 | $58,443 | $101,653-42.5% | $147,080-60.3% | $74,459-21.5% |
| Participation rate | 62.2% | 75.6%-13.4pp | 82.2%-20.0pp | 67.2%-5.1pp |
| Annual return | 15.63% | 8754.98%-8739.3pp | 420.17%-404.5pp | 1369.70%-1354.1pp |
| Employer contribution / active EE | $755 | $3,813-80.2% | $4,933-84.7% | $2,626-71.3% |
| Participant deferral / active EE | $9,576 | $7,304+31.1% | $8,066+18.7% | $4,350+120.2% |
| Admin fee / account holder | $14,113 | $1,752+705.7% | $12,989+8.7% | $1,945+625.7% |