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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 | $34,773 | $115,810-70.0% | $101,271-65.7% | $158,966-78.1% |
| Participation rate | 26.3% | 79.4%-53.1pp | 75.8%-49.5pp | 82.0%-55.6pp |
| Annual return | 23.95% | 56.15%-32.2pp | 46.48%-22.5pp | 302.95%-279.0pp |
| Employer contribution / active EE | $727 | $4,175-82.6% | $3,660-80.1% | $4,762-84.7% |
| Participant deferral / active EE | $2,528 | $4,958-49.0% | $4,371-42.2% | $5,983-57.8% |
| Admin fee / account holder | $495 | $7,248-93.2% | $5,948-91.7% | $11,250-95.6% |