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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 | $41,772 | $166,131-74.9% | $164,975-74.7% | $145,877-71.4% |
| Participation rate | 40.0% | 82.0%-42.0pp | 78.6%-38.6pp | 80.3%-40.3pp |
| Annual return | 16.20% | 100.37%-84.2pp | 70.12%-53.9pp | 551.28%-535.1pp |
| Employer contribution / active EE | $815 | $5,276-84.5% | $4,343-81.2% | $4,663-82.5% |
| Participant deferral / active EE | $2,748 | $6,962-60.5% | $6,033-54.4% | $6,691-58.9% |
| Admin fee / account holder | $1,843 | $16,648-88.9% | $12,688-85.5% | $13,402-86.2% |