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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 | $33,014 | $153,769-78.5% | $133,975-75.4% | $273,972-87.9% |
| Participation rate | 50.0% | 88.4%-38.4pp | 87.1%-37.1pp | 83.0%-33.0pp |
| Annual return | 7.99% | 36.51%-28.5pp | 29.29%-21.3pp | 41.46%-33.5pp |
| Employer contribution / active EE | $1,088 | $6,029-81.9% | $5,211-79.1% | $4,869-77.6% |
| Participant deferral / active EE | $4,309 | $6,958-38.1% | $6,282-31.4% | $5,287-18.5% |
| Admin fee / account holder | $7,618 | $11,765-35.2% | $9,324-18.3% | $10,133-24.8% |