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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 | $46,729 | $183,539-74.5% | $155,556-70.0% | $145,897-68.0% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 9.11% | 61.31%-52.2pp | 64.84%-55.7pp | 552.29%-543.2pp |
| Employer contribution / active EE | $640 | $5,315-88.0% | $4,675-86.3% | $4,663-86.3% |
| Participant deferral / active EE | $4,800 | $6,467-25.8% | $5,631-14.8% | $6,689-28.2% |
| Admin fee / account holder | $492 | $19,275-97.4% | $15,885-96.9% | $13,390-96.3% |