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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 | $18,380 | $175,259-89.5% | $149,723-87.7% | $139,487-86.8% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 31.97% | 166.82%-134.9pp | 134.50%-102.5pp | 373.84%-341.9pp |
| Employer contribution / active EE | $655 | $5,478-88.0% | $4,821-86.4% | $4,755-86.2% |
| Participant deferral / active EE | $3,016 | $6,522-53.7% | $5,682-46.9% | $6,713-55.1% |
| Admin fee / account holder | $331 | $16,158-98.0% | $13,215-97.5% | $11,407-97.1% |