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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 | $37,789 | $107,363-64.8% | $92,909-59.3% | $152,897-75.3% |
| Participation rate | 55.6% | 79.8%-24.2pp | 76.0%-20.4pp | 82.5%-26.9pp |
| Annual return | 14.73% | 145.63%-130.9pp | 109.44%-94.7pp | 345.43%-330.7pp |
| Employer contribution / active EE | $631 | $4,222-85.1% | $3,653-82.7% | $4,764-86.8% |
| Participant deferral / active EE | $2,721 | $4,848-43.9% | $4,238-35.8% | $5,851-53.5% |
| Admin fee / account holder | $754 | $7,082-89.3% | $5,795-87.0% | $11,599-93.5% |