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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 | $26,933 | $157,296-82.9% | $141,191-80.9% | $152,897-82.4% |
| Participation rate | 22.7% | 84.8%-62.1pp | 82.5%-59.7pp | 82.5%-59.7pp |
| Annual return | 21.48% | 64.34%-42.9pp | 71.41%-49.9pp | 345.43%-323.9pp |
| Employer contribution / active EE | $644 | $5,262-87.8% | $4,736-86.4% | $4,764-86.5% |
| Participant deferral / active EE | $3,906 | $7,111-45.1% | $6,710-41.8% | $5,851-33.2% |
| Admin fee / account holder | $4,186 | $12,125-65.5% | $10,264-59.2% | $11,599-63.9% |