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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 | $73,348 | $111,830-34.4% | $93,696-21.7% | $145,884-49.7% |
| Participation rate | 20.0% | 74.2%-54.2pp | 68.7%-48.7pp | 80.3%-60.3pp |
| Annual return | 14.20% | 204.08%-189.9pp | 133.74%-119.5pp | 551.85%-537.6pp |
| Employer contribution / active EE | $517 | $3,093-83.3% | $2,422-78.6% | $4,662-88.9% |
| Participant deferral / active EE | $2,531 | $4,920-48.6% | $4,417-42.7% | $6,690-62.2% |
| Admin fee / account holder | $401 | $10,249-96.1% | $8,287-95.2% | $13,392-97.0% |