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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 | $54,309 | $111,535-51.3% | $105,223-48.4% | $137,256-60.4% |
| Participation rate | 20.0% | 78.1%-58.1pp | 75.0%-55.0pp | 80.0%-60.0pp |
| Annual return | 14.14% | 237.85%-223.7pp | 180.65%-166.5pp | 220.34%-206.2pp |
| Employer contribution / active EE | $680 | $3,939-82.7% | $3,689-81.6% | $4,156-83.6% |
| Participant deferral / active EE | $2,450 | $5,500-55.5% | $5,072-51.7% | $6,407-61.8% |
| Admin fee / account holder | $3,406 | $9,721-65.0% | $8,859-61.6% | $12,270-72.2% |