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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 | $134,817-59.7% | $123,973-56.2% | $155,188-65.0% |
| Participation rate | 20.0% | 79.4%-59.4pp | 76.7%-56.7pp | 80.8%-60.8pp |
| Annual return | 14.14% | 515.49%-501.4pp | 388.13%-374.0pp | 148.84%-134.7pp |
| Employer contribution / active EE | $680 | $4,425-84.6% | $4,126-83.5% | $4,248-84.0% |
| Participant deferral / active EE | $2,450 | $5,706-57.1% | $5,247-53.3% | $6,531-62.5% |
| Admin fee / account holder | $3,406 | $13,245-74.3% | $11,799-71.1% | $14,480-76.5% |