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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 | $46,949 | $209,336-77.6% | $197,124-76.2% | $137,256-65.8% |
| Participation rate | 62.5% | 87.3%-24.8pp | 86.7%-24.2pp | 80.0%-17.5pp |
| Annual return | 23.34% | 48.09%-24.7pp | 44.34%-21.0pp | 220.34%-197.0pp |
| Employer contribution / active EE | $1,324 | $6,591-79.9% | $6,227-78.7% | $4,156-68.1% |
| Participant deferral / active EE | $5,316 | $9,614-44.7% | $9,135-41.8% | $6,407-17.0% |
| Admin fee / account holder | $3,206 | $17,308-81.5% | $16,298-80.3% | $12,270-73.9% |