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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 | $36,644 | $157,304-76.7% | $141,197-74.0% | $152,909-76.0% |
| Participation rate | 33.3% | 84.8%-51.5pp | 82.5%-49.1pp | 82.5%-49.1pp |
| Annual return | 22.50% | 64.34%-41.8pp | 71.41%-48.9pp | 345.46%-323.0pp |
| Employer contribution / active EE | $534 | $5,263-89.9% | $4,736-88.7% | $4,764-88.8% |
| Participant deferral / active EE | $2,543 | $7,111-64.2% | $6,710-62.1% | $5,851-56.5% |
| Admin fee / account holder | $763 | $12,126-93.7% | $10,265-92.6% | $11,601-93.4% |