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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 | $20,055 | $90,397-77.8% | $76,002-73.6% | $145,959-86.3% |
| Participation rate | 45.0% | 74.5%-29.5pp | 69.1%-24.1pp | 80.3%-35.3pp |
| Annual return | 14.31% | 621.97%-607.7pp | 360.07%-345.8pp | 561.95%-547.6pp |
| Employer contribution / active EE | $327 | $3,317-90.1% | $2,688-87.8% | $4,661-93.0% |
| Participant deferral / active EE | $2,224 | $5,163-56.9% | $4,257-47.7% | $6,689-66.7% |
| Admin fee / account holder | $692 | $8,369-91.7% | $6,414-89.2% | $13,398-94.8% |