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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 | $183,592-88.0% | $155,574-85.9% | $145,877-84.9% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 17.11% | 61.37%-44.3pp | 64.87%-47.8pp | 551.28%-534.2pp |
| Employer contribution / active EE | $765 | $5,317-85.6% | $4,676-83.6% | $4,663-83.6% |
| Participant deferral / active EE | $3,303 | $6,466-48.9% | $5,629-41.3% | $6,691-50.6% |
| Admin fee / account holder | $1,081 | $19,316-94.4% | $15,914-93.2% | $13,402-91.9% |