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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 | $55,612 | $227,399-75.5% | $189,758-70.7% | $198,609-72.0% |
| Participation rate | 50.0% | 84.0%-34.0pp | 79.8%-29.8pp | 82.4%-32.4pp |
| Annual return | 14.52% | 61.03%-46.5pp | 52.62%-38.1pp | 202.70%-188.2pp |
| Employer contribution / active EE | $624 | $5,526-88.7% | $4,767-86.9% | $5,055-87.7% |
| Participant deferral / active EE | $4,476 | $6,837-34.5% | $5,856-23.6% | $6,977-35.8% |
| Admin fee / account holder | $5,482 | $25,162-78.2% | $20,388-73.1% | $19,030-71.2% |