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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 | $48,647 | $165,399-70.6% | $149,745-67.5% | $158,982-69.4% |
| Participation rate | 58.8% | 84.6%-25.8pp | 82.5%-23.7pp | 82.0%-23.1pp |
| Annual return | 14.00% | 348.34%-334.3pp | 276.72%-262.7pp | 302.99%-289.0pp |
| Employer contribution / active EE | $717 | $5,105-86.0% | $4,646-84.6% | $4,763-85.0% |
| Participant deferral / active EE | $3,121 | $7,183-56.6% | $6,843-54.4% | $5,983-47.8% |
| Admin fee / account holder | $4,203 | $10,811-61.1% | $9,312-54.9% | $11,252-62.6% |