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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 | $52,429 | $78,670-33.4% | $109,173-52.0% | $85,847-38.9% |
| Participation rate | 67.4% | 68.3%-0.9pp | 75.9%-8.5pp | 69.3%-1.9pp |
| Annual return | 16.15% | 25.09%-8.9pp | 25.75%-9.6pp | 318.61%-302.5pp |
| Employer contribution / active EE | $548 | $2,734-80.0% | $3,723-85.3% | $2,565-78.6% |
| Participant deferral / active EE | $5,853 | $3,467+68.8% | $4,654+25.8% | $3,952+48.1% |
| Admin fee / account holder | $1,388 | $5,469-74.6% | $6,755-79.5% | $6,261-77.8% |