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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 | $29,214 | $115,814-74.8% | $101,275-71.2% | $158,982-81.6% |
| Participation rate | 40.9% | 79.4%-38.5pp | 75.8%-34.9pp | 82.0%-41.1pp |
| Annual return | 19.51% | 56.16%-36.6pp | 46.48%-27.0pp | 302.99%-283.5pp |
| Employer contribution / active EE | $450 | $4,176-89.2% | $3,660-87.7% | $4,763-90.6% |
| Participant deferral / active EE | $2,489 | $4,958-49.8% | $4,371-43.1% | $5,983-58.4% |
| Admin fee / account holder | $848 | $7,249-88.3% | $5,948-85.7% | $11,252-92.5% |