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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 | $55,966 | $117,829-52.5% | $102,423-45.4% | $145,877-61.6% |
| Participation rate | 63.6% | 78.6%-15.0pp | 76.5%-12.9pp | 80.3%-16.7pp |
| Annual return | 12.93% | 31.83%-18.9pp | 29.42%-16.5pp | 551.28%-538.3pp |
| Employer contribution / active EE | $447 | $3,615-87.6% | $3,023-85.2% | $4,663-90.4% |
| Participant deferral / active EE | $5,635 | $5,732-1.7% | $5,054+11.5% | $6,691-15.8% |
| Admin fee / account holder | $14,149 | $13,335+6.1% | $9,455+49.7% | $13,402+5.6% |