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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 | $50,714 | $185,312-72.6% | $161,489-68.6% | $154,746-67.2% |
| Participation rate | 50.0% | 82.5%-32.5pp | 78.7%-28.7pp | 80.7%-30.7pp |
| Annual return | 17.32% | 103.84%-86.5pp | 89.72%-72.4pp | 172.34%-155.0pp |
| Employer contribution / active EE | $692 | $4,769-85.5% | $4,268-83.8% | $4,379-84.2% |
| Participant deferral / active EE | $3,567 | $6,350-43.8% | $5,630-36.6% | $6,730-47.0% |
| Admin fee / account holder | $329 | $18,654-98.2% | $16,006-97.9% | $14,365-97.7% |