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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 | $45,366 | $171,492-73.5% | $150,734-69.9% | $198,609-77.2% |
| Participation rate | 55.0% | 81.4%-26.4pp | 78.4%-23.4pp | 82.4%-27.4pp |
| Annual return | 18.59% | 804.70%-786.1pp | 600.81%-582.2pp | 202.70%-184.1pp |
| Employer contribution / active EE | $1,139 | $5,470-79.2% | $4,918-76.8% | $5,055-77.5% |
| Participant deferral / active EE | $3,441 | $6,259-45.0% | $5,610-38.7% | $6,977-50.7% |
| Admin fee / account holder | $5,540 | $17,628-68.6% | $14,905-62.8% | $19,030-70.9% |