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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 | $52,303 | $154,228-66.1% | $145,433-64.0% | $137,256-61.9% |
| Participation rate | 44.4% | 83.8%-39.3pp | 82.1%-37.7pp | 80.0%-35.5pp |
| Annual return | 30.71% | 74.59%-43.9pp | 66.58%-35.9pp | 220.34%-189.6pp |
| Employer contribution / active EE | $130 | $4,804-97.3% | $4,554-97.1% | $4,156-96.9% |
| Participant deferral / active EE | $4,361 | $8,216-46.9% | $7,897-44.8% | $6,407-31.9% |
| Admin fee / account holder | $680 | $14,344-95.3% | $13,129-94.8% | $12,270-94.5% |