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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 | $90,614-77.9% | $76,089-73.6% | $145,877-86.3% |
| Participation rate | 45.0% | 74.5%-29.5pp | 69.1%-24.1pp | 80.3%-35.3pp |
| Annual return | 14.31% | 623.80%-609.5pp | 360.94%-346.6pp | 551.28%-537.0pp |
| Employer contribution / active EE | $327 | $3,324-90.1% | $2,690-87.8% | $4,663-93.0% |
| Participant deferral / active EE | $2,224 | $5,168-57.0% | $4,259-47.8% | $6,691-66.8% |
| Admin fee / account holder | $692 | $8,376-91.7% | $6,418-89.2% | $13,402-94.8% |