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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 | $62,013 | $166,268-62.7% | $165,100-62.4% | $145,897-57.5% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.6%-15.0pp | 80.3%-16.7pp |
| Annual return | 23.61% | 100.52%-76.9pp | 70.21%-46.6pp | 552.29%-528.7pp |
| Employer contribution / active EE | $774 | $5,284-85.4% | $4,348-82.2% | $4,663-83.4% |
| Participant deferral / active EE | $4,563 | $6,964-34.5% | $6,035-24.4% | $6,689-31.8% |
| Admin fee / account holder | $436 | $16,659-97.4% | $12,696-96.6% | $13,390-96.7% |