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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 | $57,791 | $133,981-56.9% | $112,249-48.5% | $134,532-57.0% |
| Participation rate | 36.4% | 78.6%-42.2pp | 75.1%-38.7pp | 81.2%-44.9pp |
| Annual return | 18.36% | 47.16%-28.8pp | 27.48%-9.1pp | 418.27%-399.9pp |
| Employer contribution / active EE | $753 | $4,040-81.4% | $3,636-79.3% | $4,741-84.1% |
| Participant deferral / active EE | $2,320 | $5,292-56.2% | $4,729-51.0% | $6,401-63.8% |
| Admin fee / account holder | $3,905 | $7,492-47.9% | $6,412-39.1% | $11,429-65.8% |