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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 | $43,690 | $172,111-74.6% | $150,298-70.9% | $137,256-68.2% |
| Participation rate | 40.0% | 81.7%-41.7pp | 77.8%-37.8pp | 80.0%-40.0pp |
| Annual return | 18.32% | 69.37%-51.1pp | 62.79%-44.5pp | 220.34%-202.0pp |
| Employer contribution / active EE | $828 | $4,636-82.1% | $4,154-80.1% | $4,156-80.1% |
| Participant deferral / active EE | $2,586 | $6,166-58.1% | $5,453-52.6% | $6,407-59.6% |
| Admin fee / account holder | $765 | $16,471-95.4% | $14,116-94.6% | $12,270-93.8% |