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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 | $52,801 | $183,516-71.2% | $155,534-66.1% | $145,884-63.8% |
| Participation rate | 47.4% | 82.7%-35.3pp | 78.2%-30.8pp | 80.3%-32.9pp |
| Annual return | 15.34% | 61.43%-46.1pp | 64.92%-49.6pp | 551.85%-536.5pp |
| Employer contribution / active EE | $894 | $5,315-83.2% | $4,675-80.9% | $4,662-80.8% |
| Participant deferral / active EE | $3,011 | $6,467-53.4% | $5,630-46.5% | $6,690-55.0% |
| Admin fee / account holder | $1,087 | $19,293-94.4% | $15,900-93.2% | $13,392-91.9% |