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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 | $75,465 | $172,111-56.2% | $150,298-49.8% | $137,256-45.0% |
| Participation rate | 23.8% | 81.7%-57.9pp | 77.8%-54.0pp | 80.0%-56.2pp |
| Annual return | 19.19% | 69.37%-50.2pp | 62.79%-43.6pp | 220.34%-201.1pp |
| Employer contribution / active EE | $623 | $4,636-86.6% | $4,154-85.0% | $4,156-85.0% |
| Participant deferral / active EE | $2,403 | $6,166-61.0% | $5,453-55.9% | $6,407-62.5% |
| Admin fee / account holder | $1,164 | $16,471-92.9% | $14,116-91.8% | $12,270-90.5% |