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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 | $37,776 | $181,062-79.1% | $158,223-76.1% | $155,188-75.7% |
| Participation rate | 50.0% | 82.7%-32.7pp | 79.2%-29.2pp | 80.8%-30.8pp |
| Annual return | 16.88% | 57.39%-40.5pp | 52.09%-35.2pp | 148.84%-132.0pp |
| Employer contribution / active EE | $534 | $4,565-88.3% | $4,109-87.0% | $4,248-87.4% |
| Participant deferral / active EE | $8,570 | $6,134+39.7% | $5,467+56.8% | $6,531+31.2% |
| Admin fee / account holder | $2,325 | $18,825-87.7% | $16,047-85.5% | $14,480-83.9% |