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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 | $28,328 | $165,361-82.9% | $149,715-81.1% | $158,950-82.2% |
| Participation rate | 47.1% | 84.6%-37.5pp | 82.5%-35.4pp | 82.0%-34.9pp |
| Annual return | 22.62% | 348.24%-325.6pp | 276.66%-254.0pp | 302.91%-280.3pp |
| Employer contribution / active EE | $521 | $5,103-89.8% | $4,645-88.8% | $4,762-89.1% |
| Participant deferral / active EE | $2,661 | $7,182-63.0% | $6,842-61.1% | $5,983-55.5% |
| Admin fee / account holder | $1,892 | $10,808-82.5% | $9,310-79.7% | $11,248-83.2% |