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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 | $57,909 | $112,131-48.4% | $95,964-39.7% | $158,982-63.6% |
| Participation rate | 22.2% | 79.0%-56.8pp | 77.1%-54.9pp | 82.0%-59.7pp |
| Annual return | 16.33% | 171.19%-154.9pp | 91.64%-75.3pp | 302.99%-286.7pp |
| Employer contribution / active EE | $216 | $3,199-93.2% | $2,541-91.5% | $4,763-95.5% |
| Participant deferral / active EE | $2,187 | $4,784-54.3% | $4,167-47.5% | $5,983-63.4% |
| Admin fee / account holder | $4,187 | $10,136-58.7% | $6,797-38.4% | $11,252-62.8% |