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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 | $39,400 | $183,592-78.5% | $155,567-74.7% | $145,959-73.0% |
| Participation rate | 59.1% | 82.7%-23.6pp | 78.2%-19.1pp | 80.3%-21.2pp |
| Annual return | 24.69% | 61.24%-36.5pp | 64.74%-40.0pp | 561.95%-537.3pp |
| Employer contribution / active EE | $914 | $5,315-82.8% | $4,674-80.5% | $4,661-80.4% |
| Participant deferral / active EE | $3,660 | $6,464-43.4% | $5,628-35.0% | $6,689-45.3% |
| Admin fee / account holder | $1,264 | $19,318-93.5% | $15,916-92.1% | $13,398-90.6% |