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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 | $45,551 | $190,916-76.1% | $160,037-71.5% | $134,545-66.1% |
| Participation rate | 30.0% | 82.0%-52.0pp | 78.0%-48.0pp | 81.2%-51.2pp |
| Annual return | 21.68% | 552.79%-531.1pp | 408.95%-387.3pp | 418.37%-396.7pp |
| Employer contribution / active EE | $128 | $4,996-97.4% | $4,226-97.0% | $4,742-97.3% |
| Participant deferral / active EE | $2,597 | $6,925-62.5% | $6,184-58.0% | $6,401-59.4% |
| Admin fee / account holder | $445 | $10,497-95.8% | $8,716-94.9% | $11,431-96.1% |