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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 | $55,355 | $201,372-72.5% | $184,260-70.0% | $145,884-62.1% |
| Participation rate | 33.3% | 87.5%-54.2pp | 86.8%-53.5pp | 80.3%-47.0pp |
| Annual return | 11.50% | 29.04%-17.5pp | 28.84%-17.3pp | 551.85%-540.3pp |
| Employer contribution / active EE | $831 | $7,024-88.2% | $6,427-87.1% | $4,662-82.2% |
| Participant deferral / active EE | $3,298 | $9,808-66.4% | $9,133-63.9% | $6,690-50.7% |
| Admin fee / account holder | $2,756 | $16,362-83.2% | $13,898-80.2% | $13,392-79.4% |