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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 | $48,048 | $176,120-72.7% | $159,487-69.9% | $167,553-71.3% |
| Participation rate | 45.5% | 85.0%-39.5pp | 82.8%-37.4pp | 82.1%-36.7pp |
| Annual return | 13.87% | 331.95%-318.1pp | 263.71%-249.8pp | 478.89%-465.0pp |
| Employer contribution / active EE | $419 | $5,299-92.1% | $4,831-91.3% | $4,840-91.3% |
| Participant deferral / active EE | $7,142 | $7,752-7.9% | $7,354-2.9% | $6,343+12.6% |
| Admin fee / account holder | $6,178 | $12,561-50.8% | $10,804-42.8% | $12,316-49.8% |