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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 | $166,020-82.2% | $164,866-82.1% | $145,959-79.8% |
| Participation rate | 36.4% | 82.0%-45.6pp | 78.6%-42.2pp | 80.3%-43.9pp |
| Annual return | 9.84% | 100.08%-90.2pp | 69.97%-60.1pp | 561.95%-552.1pp |
| Employer contribution / active EE | $985 | $5,275-81.3% | $4,343-77.3% | $4,661-78.9% |
| Participant deferral / active EE | $3,798 | $6,961-45.4% | $6,033-37.0% | $6,689-43.2% |
| Admin fee / account holder | $12,965 | $16,644-22.1% | $12,689+2.2% | $13,398-3.2% |