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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 | $61,453 | $115,814-46.9% | $101,275-39.3% | $158,982-61.3% |
| Participation rate | 58.8% | 79.4%-20.5pp | 75.8%-17.0pp | 82.0%-23.1pp |
| Annual return | 12.94% | 56.16%-43.2pp | 46.48%-33.5pp | 302.99%-290.1pp |
| Employer contribution / active EE | $316 | $4,176-92.4% | $3,660-91.4% | $4,763-93.4% |
| Participant deferral / active EE | $2,032 | $4,958-59.0% | $4,371-53.5% | $5,983-66.0% |
| Admin fee / account holder | $8,331 | $7,249+14.9% | $5,948+40.1% | $11,252-26.0% |