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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 | $37,140 | $166,131-77.6% | $164,975-77.5% | $145,877-74.5% |
| Participation rate | 43.5% | 82.0%-38.5pp | 78.6%-35.1pp | 80.3%-36.8pp |
| Annual return | 19.48% | 100.37%-80.9pp | 70.12%-50.6pp | 551.28%-531.8pp |
| Employer contribution / active EE | $1,106 | $5,276-79.0% | $4,343-74.5% | $4,663-76.3% |
| Participant deferral / active EE | $2,219 | $6,962-68.1% | $6,033-63.2% | $6,691-66.8% |
| Admin fee / account holder | $1,622 | $16,648-90.3% | $12,688-87.2% | $13,402-87.9% |