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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 | $58,374 | $160,040-63.5% | $147,096-60.3% | $145,877-60.0% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 11.94% | 98.49%-86.6pp | 419.75%-407.8pp | 551.28%-539.3pp |
| Employer contribution / active EE | $487 | $5,289-90.8% | $4,936-90.1% | $4,663-89.6% |
| Participant deferral / active EE | $3,767 | $8,429-55.3% | $8,071-53.3% | $6,691-43.7% |
| Admin fee / account holder | $5,213 | $15,050-65.4% | $13,005-59.9% | $13,402-61.1% |