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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 | $174,379-74.9% | $152,093-71.3% | $138,895-68.5% |
| Participation rate | 40.0% | 81.6%-41.6pp | 77.8%-37.8pp | 79.9%-39.9pp |
| Annual return | 18.32% | 74.86%-56.5pp | 66.36%-48.0pp | 145.39%-127.1pp |
| Employer contribution / active EE | $828 | $4,652-82.2% | $4,175-80.2% | $4,194-80.3% |
| Participant deferral / active EE | $2,586 | $6,159-58.0% | $5,451-52.6% | $6,396-59.6% |
| Admin fee / account holder | $765 | $16,880-95.5% | $14,497-94.7% | $12,562-93.9% |