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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 | $73,910 | $228,395-67.6% | $185,861-60.2% | $158,982-53.5% |
| Participation rate | 58.3% | 82.3%-24.0pp | 78.0%-19.7pp | 82.0%-23.6pp |
| Annual return | 10.97% | 40.82%-29.8pp | 35.96%-25.0pp | 302.99%-292.0pp |
| Employer contribution / active EE | $375 | $4,968-92.5% | $4,088-90.8% | $4,763-92.1% |
| Participant deferral / active EE | $3,270 | $6,417-49.0% | $5,634-42.0% | $5,983-45.4% |
| Admin fee / account holder | $6,410 | $11,869-46.0% | $9,503-32.5% | $11,252-43.0% |