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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 | $28,252 | $211,288-86.6% | $178,540-84.2% | $145,884-80.6% |
| Participation rate | 28.6% | 80.8%-52.2pp | 77.1%-48.5pp | 80.3%-51.7pp |
| Annual return | 11.60% | 30.27%-18.7pp | 27.15%-15.6pp | 551.85%-540.3pp |
| Employer contribution / active EE | $556 | $4,574-87.9% | $3,953-85.9% | $4,662-88.1% |
| Participant deferral / active EE | $4,156 | $6,967-40.3% | $6,281-33.8% | $6,690-37.9% |
| Admin fee / account holder | $13,301 | $12,105+9.9% | $10,424+27.6% | $13,392-0.7% |