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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 | $37,487 | $181,896-79.4% | $156,551-76.1% | $273,972-86.3% |
| Participation rate | 45.0% | 88.4%-43.4pp | 84.0%-39.0pp | 83.0%-38.0pp |
| Annual return | 4.34% | 30.74%-26.4pp | 32.23%-27.9pp | 41.46%-37.1pp |
| Employer contribution / active EE | $433 | $6,248-93.1% | $5,501-92.1% | $4,869-91.1% |
| Participant deferral / active EE | $2,102 | $5,550-62.1% | $4,871-56.8% | $5,287-60.2% |
| Admin fee / account holder | $1,286 | $15,560-91.7% | $13,028-90.1% | $10,133-87.3% |