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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 | $32,743 | $124,330-73.7% | $109,173-70.0% | $167,536-80.5% |
| Participation rate | 30.8% | 79.5%-48.7pp | 75.9%-45.1pp | 82.1%-51.3pp |
| Annual return | 13.30% | 26.04%-12.7pp | 25.75%-12.5pp | 478.82%-465.5pp |
| Employer contribution / active EE | $718 | $4,209-82.9% | $3,723-80.7% | $4,839-85.2% |
| Participant deferral / active EE | $2,338 | $5,256-55.5% | $4,654-49.8% | $6,342-63.1% |
| Admin fee / account holder | $1,735 | $7,974-78.2% | $6,755-74.3% | $12,315-85.9% |