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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 | $44,939 | $178,174-74.8% | $156,181-71.2% | $137,256-67.3% |
| Participation rate | 33.3% | 82.0%-48.7pp | 78.8%-45.5pp | 80.0%-46.6pp |
| Annual return | 19.80% | 84.19%-64.4pp | 64.87%-45.1pp | 220.34%-200.5pp |
| Employer contribution / active EE | $872 | $4,972-82.5% | $4,294-79.7% | $4,156-79.0% |
| Participant deferral / active EE | $4,194 | $6,888-39.1% | $6,132-31.6% | $6,407-34.5% |
| Admin fee / account holder | $4,164 | $17,404-76.1% | $14,586-71.4% | $12,270-66.1% |