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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 | $23,461 | $176,105-86.7% | $159,474-85.3% | $167,536-86.0% |
| Participation rate | 47.4% | 85.0%-37.6pp | 82.8%-35.5pp | 82.1%-34.7pp |
| Annual return | 15.36% | 331.91%-316.5pp | 263.68%-248.3pp | 478.82%-463.5pp |
| Employer contribution / active EE | $259 | $5,299-95.1% | $4,831-94.6% | $4,839-94.6% |
| Participant deferral / active EE | $2,812 | $7,751-63.7% | $7,353-61.8% | $6,342-55.7% |
| Admin fee / account holder | $696 | $12,559-94.5% | $10,802-93.6% | $12,315-94.3% |