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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 | $67,555 | $156,398-56.8% | $147,318-54.1% | $138,895-51.4% |
| Participation rate | 27.8% | 83.8%-56.0pp | 82.1%-54.3pp | 79.9%-52.1pp |
| Annual return | 17.07% | 78.75%-61.7pp | 70.43%-53.4pp | 145.39%-128.3pp |
| Employer contribution / active EE | $571 | $4,853-88.2% | $4,593-87.6% | $4,194-86.4% |
| Participant deferral / active EE | $4,092 | $8,237-50.3% | $7,906-48.2% | $6,396-36.0% |
| Admin fee / account holder | $416 | $14,976-97.2% | $13,708-97.0% | $12,562-96.7% |