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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 | $62,696 | $102,429-38.8% | $147,096-57.4% | $80,925-22.5% |
| Participation rate | 62.7% | 75.9%-13.2pp | 82.2%-19.5pp | 67.7%-5.0pp |
| Annual return | 20.29% | 135.02%-114.7pp | 419.75%-399.5pp | 35.65%-15.4pp |
| Employer contribution / active EE | $571 | $3,716-84.6% | $4,936-88.4% | $2,756-79.3% |
| Participant deferral / active EE | $10,854 | $6,649+63.3% | $8,071+34.5% | $4,299+152.5% |
| Admin fee / account holder | $30,719 | $7,957+286.1% | $13,005+136.2% | $6,940+342.6% |