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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 | $29,470 | $166,242-82.3% | $165,071-82.1% | $145,884-79.8% |
| Participation rate | 36.4% | 82.0%-45.7pp | 78.6%-42.3pp | 80.3%-43.9pp |
| Annual return | 9.84% | 100.44%-90.6pp | 70.17%-60.3pp | 551.85%-542.0pp |
| Employer contribution / active EE | $985 | $5,283-81.4% | $4,347-77.3% | $4,662-78.9% |
| Participant deferral / active EE | $3,798 | $6,964-45.5% | $6,035-37.1% | $6,690-43.2% |
| Admin fee / account holder | $12,965 | $16,658-22.2% | $12,695+2.1% | $13,392-3.2% |