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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 | $162,136-67.7% | $152,301-65.7% | $154,746-66.2% |
| Participation rate | 44.4% | 84.1%-39.7pp | 82.4%-38.0pp | 80.7%-36.3pp |
| Annual return | 30.71% | 91.02%-60.3pp | 80.50%-49.8pp | 172.34%-141.6pp |
| Employer contribution / active EE | $130 | $4,890-97.3% | $4,624-97.2% | $4,379-97.0% |
| Participant deferral / active EE | $4,361 | $8,341-47.7% | $8,004-45.5% | $6,730-35.2% |
| Admin fee / account holder | $680 | $15,759-95.7% | $14,398-95.3% | $14,365-95.3% |