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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 | $59,116 | $117,846-49.8% | $102,434-42.3% | $145,884-59.5% |
| Participation rate | 33.3% | 78.6%-45.3pp | 76.5%-43.2pp | 80.3%-47.0pp |
| Annual return | 13.54% | 31.90%-18.4pp | 29.46%-15.9pp | 551.85%-538.3pp |
| Employer contribution / active EE | $467 | $3,615-87.1% | $3,023-84.6% | $4,662-90.0% |
| Participant deferral / active EE | $7,622 | $5,733+32.9% | $5,055+50.8% | $6,690+13.9% |
| Admin fee / account holder | $485 | $13,356-96.4% | $9,462-94.9% | $13,392-96.4% |