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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 | $32,662 | $175,257-81.4% | $149,717-78.2% | $139,456-76.6% |
| Participation rate | 47.8% | 83.4%-35.6pp | 78.8%-30.9pp | 80.3%-32.5pp |
| Annual return | 14.89% | 166.70%-151.8pp | 134.41%-119.5pp | 373.45%-358.6pp |
| Employer contribution / active EE | $930 | $5,477-83.0% | $4,820-80.7% | $4,753-80.4% |
| Participant deferral / active EE | $3,184 | $6,521-51.2% | $5,682-44.0% | $6,711-52.6% |
| Admin fee / account holder | $333 | $16,156-97.9% | $13,213-97.5% | $11,407-97.1% |