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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 | $24,689 | $175,231-85.9% | $149,696-83.5% | $139,466-82.3% |
| Participation rate | 69.6% | 83.4%-13.8pp | 78.8%-9.2pp | 80.3%-10.8pp |
| Annual return | 18.81% | 166.77%-148.0pp | 134.46%-115.7pp | 373.66%-354.9pp |
| Employer contribution / active EE | $317 | $5,478-94.2% | $4,821-93.4% | $4,754-93.3% |
| Participant deferral / active EE | $3,798 | $6,521-41.8% | $5,682-33.2% | $6,712-43.4% |
| Admin fee / account holder | $823 | $16,155-94.9% | $13,212-93.8% | $11,409-92.8% |