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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 | $38,862 | $115,796-66.4% | $101,264-61.6% | $158,950-75.6% |
| Participation rate | 54.2% | 79.4%-25.2pp | 75.8%-21.6pp | 82.0%-27.8pp |
| Annual return | 10.24% | 56.15%-45.9pp | 46.48%-36.2pp | 302.91%-292.7pp |
| Employer contribution / active EE | $633 | $4,175-84.8% | $3,660-82.7% | $4,762-86.7% |
| Participant deferral / active EE | $2,955 | $4,958-40.4% | $4,370-32.4% | $5,983-50.6% |
| Admin fee / account holder | $3,651 | $7,247-49.6% | $5,947-38.6% | $11,248-67.5% |