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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 | $63,585 | $111,814-43.1% | $103,378-38.5% | $145,978-56.4% |
| Participation rate | 68.4% | 77.9%-9.5pp | 74.5%-6.1pp | 80.3%-11.9pp |
| Annual return | 13.12% | 24.80%-11.7pp | 24.91%-11.8pp | 550.52%-537.4pp |
| Employer contribution / active EE | $556 | $4,215-86.8% | $3,870-85.6% | $4,662-88.1% |
| Participant deferral / active EE | $4,049 | $5,618-27.9% | $5,058-19.9% | $6,690-39.5% |
| Admin fee / account holder | $8,014 | $9,764-17.9% | $8,401-4.6% | $13,400-40.2% |