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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 | $67,654 | $107,368-37.0% | $92,915-27.2% | $152,909-55.8% |
| Participation rate | 22.7% | 79.8%-57.1pp | 76.0%-53.3pp | 82.5%-59.7pp |
| Annual return | 17.58% | 145.64%-128.1pp | 109.45%-91.9pp | 345.46%-327.9pp |
| Employer contribution / active EE | $378 | $4,222-91.0% | $3,653-89.6% | $4,764-92.1% |
| Participant deferral / active EE | $1,302 | $4,848-73.1% | $4,238-69.3% | $5,851-77.7% |
| Admin fee / account holder | $1,699 | $7,082-76.0% | $5,796-70.7% | $11,601-85.4% |