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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 | $37,145 | $202,326-81.6% | $172,745-78.5% | $152,870-75.7% |
| Participation rate | 16.7% | 87.1%-70.4pp | 82.6%-66.0pp | 82.4%-65.8pp |
| Annual return | 26.77% | 1029.72%-1003.0pp | 802.90%-776.1pp | 345.34%-318.6pp |
| Employer contribution / active EE | $879 | $5,858-85.0% | $5,144-82.9% | $4,763-81.6% |
| Participant deferral / active EE | $3,213 | $5,948-46.0% | $5,197-38.2% | $5,850-45.1% |
| Admin fee / account holder | $1,647 | $17,110-90.4% | $13,954-88.2% | $11,597-85.8% |