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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 | $61,236 | $142,354-57.0% | $125,529-51.2% | $155,188-60.5% |
| Participation rate | 53.3% | 78.1%-24.7pp | 74.7%-21.4pp | 80.8%-27.5pp |
| Annual return | 17.38% | 306.06%-288.7pp | 202.56%-185.2pp | 148.84%-131.5pp |
| Employer contribution / active EE | $604 | $3,501-82.8% | $3,058-80.3% | $4,248-85.8% |
| Participant deferral / active EE | $1,829 | $5,491-66.7% | $4,813-62.0% | $6,531-72.0% |
| Admin fee / account holder | $448 | $19,392-97.7% | $16,298-97.2% | $14,480-96.9% |