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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 | $27,374 | $175,231-84.4% | $149,696-81.7% | $139,466-80.4% |
| Participation rate | 23.8% | 83.4%-59.6pp | 78.8%-55.0pp | 80.3%-56.5pp |
| Annual return | 18.93% | 166.77%-147.8pp | 134.46%-115.5pp | 373.66%-354.7pp |
| Employer contribution / active EE | $662 | $5,478-87.9% | $4,821-86.3% | $4,754-86.1% |
| Participant deferral / active EE | $2,903 | $6,521-55.5% | $5,682-48.9% | $6,712-56.7% |
| Admin fee / account holder | $3,004 | $16,155-81.4% | $13,212-77.3% | $11,409-73.7% |