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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 | $34,506 | $77,157-55.3% | $108,405-68.2% | $85,851-59.8% |
| Participation rate | 40.4% | 74.7%-34.3pp | 80.1%-39.8pp | 69.3%-28.9pp |
| Annual return | 18.61% | 44.55%-25.9pp | 905.55%-886.9pp | 318.63%-300.0pp |
| Employer contribution / active EE | $119 | $2,379-95.0% | $3,559-96.7% | $2,565-95.4% |
| Participant deferral / active EE | $4,913 | $5,567-11.8% | $6,563-25.1% | $3,952+24.3% |
| Admin fee / account holder | $6,526 | $5,174+26.1% | $7,297-10.6% | $6,261+4.2% |