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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 | $57,506 | $175,259-67.2% | $149,723-61.6% | $139,487-58.8% |
| Participation rate | 69.2% | 83.4%-14.2pp | 78.8%-9.5pp | 80.3%-11.1pp |
| Annual return | 12.12% | 166.82%-154.7pp | 134.50%-122.4pp | 373.84%-361.7pp |
| Employer contribution / active EE | $482 | $5,478-91.2% | $4,821-90.0% | $4,755-89.9% |
| Participant deferral / active EE | $2,868 | $6,522-56.0% | $5,682-49.5% | $6,713-57.3% |
| Admin fee / account holder | $13,381 | $16,158-17.2% | $13,215+1.3% | $11,407+17.3% |