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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 | $58,015 | $172,111-66.3% | $150,298-61.4% | $137,256-57.7% |
| Participation rate | 37.5% | 81.7%-44.2pp | 77.8%-40.3pp | 80.0%-42.5pp |
| Annual return | 19.29% | 69.37%-50.1pp | 62.79%-43.5pp | 220.34%-201.1pp |
| Employer contribution / active EE | $761 | $4,636-83.6% | $4,154-81.7% | $4,156-81.7% |
| Participant deferral / active EE | $3,319 | $6,166-46.2% | $5,453-39.1% | $6,407-48.2% |
| Admin fee / account holder | $1,216 | $16,471-92.6% | $14,116-91.4% | $12,270-90.1% |