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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 | $22,012 | $183,539-88.0% | $155,556-85.8% | $145,897-84.9% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 17.11% | 61.31%-44.2pp | 64.84%-47.7pp | 552.29%-535.2pp |
| Employer contribution / active EE | $765 | $5,315-85.6% | $4,675-83.6% | $4,663-83.6% |
| Participant deferral / active EE | $3,303 | $6,467-48.9% | $5,631-41.3% | $6,689-50.6% |
| Admin fee / account holder | $1,081 | $19,275-94.4% | $15,885-93.2% | $13,390-91.9% |