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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 | $27,824 | $150,435-81.5% | $120,580-76.9% | $145,897-80.9% |
| Participation rate | 65.2% | 78.8%-13.6pp | 72.0%-6.7pp | 80.3%-15.1pp |
| Annual return | 12.26% | 154.60%-142.3pp | 107.48%-95.2pp | 552.29%-540.0pp |
| Employer contribution / active EE | $566 | $4,352-87.0% | $3,469-83.7% | $4,663-87.9% |
| Participant deferral / active EE | $3,968 | $6,174-35.7% | $4,995-20.6% | $6,689-40.7% |
| Admin fee / account holder | $7,779 | $12,182-36.1% | $9,418-17.4% | $13,390-41.9% |