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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 | $59,708 | $148,623-59.8% | $135,974-56.1% | $139,466-57.2% |
| Participation rate | 62.5% | 83.9%-21.4pp | 81.9%-19.4pp | 80.3%-17.8pp |
| Annual return | 14.31% | 79.30%-65.0pp | 68.30%-54.0pp | 373.66%-359.4pp |
| Employer contribution / active EE | $829 | $5,246-84.2% | $4,859-82.9% | $4,754-82.6% |
| Participant deferral / active EE | $4,095 | $8,103-49.5% | $7,760-47.2% | $6,712-39.0% |
| Admin fee / account holder | $30,837 | $12,406+148.6% | $10,767+186.4% | $11,409+170.3% |