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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 | $32,413 | $129,737-75.0% | $119,126-72.8% | $154,746-79.1% |
| Participation rate | 60.0% | 78.9%-18.9pp | 75.8%-15.8pp | 80.7%-20.7pp |
| Annual return | 76.62% | 379.08%-302.5pp | 282.11%-205.5pp | 172.34%-95.7pp |
| Employer contribution / active EE | $891 | $4,375-79.6% | $4,034-77.9% | $4,379-79.6% |
| Participant deferral / active EE | $4,891 | $5,842-16.3% | $5,318-8.0% | $6,730-27.3% |
| Admin fee / account holder | $6,258 | $11,961-47.7% | $10,693-41.5% | $14,365-56.4% |