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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 | $75,919 | $154,159-50.8% | $130,026-41.6% | $139,456-45.6% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.5%-28.5pp | 80.3%-30.3pp |
| Annual return | 27.30% | 32.50%-5.2pp | -137.26%+164.6pp | 373.45%-346.2pp |
| Employer contribution / active EE | $758 | $5,292-85.7% | $4,321-82.4% | $4,753-84.0% |
| Participant deferral / active EE | $7,180 | $6,710+7.0% | $5,821+23.3% | $6,711+7.0% |
| Admin fee / account holder | $448 | $14,001-96.8% | $10,608-95.8% | $11,407-96.1% |