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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 | $56,472 | $227,291-75.2% | $214,702-73.7% | $155,188-63.6% |
| Participation rate | 58.3% | 88.0%-29.6pp | 87.5%-29.1pp | 80.8%-22.5pp |
| Annual return | 14.10% | 60.08%-46.0pp | 54.55%-40.5pp | 148.84%-134.7pp |
| Employer contribution / active EE | $872 | $6,772-87.1% | $6,461-86.5% | $4,248-79.5% |
| Participant deferral / active EE | $3,638 | $9,582-62.0% | $9,147-60.2% | $6,531-44.3% |
| Admin fee / account holder | $467 | $20,413-97.7% | $19,830-97.6% | $14,480-96.8% |