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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 | $43,041 | $152,612-71.8% | $125,192-65.6% | $152,897-71.9% |
| Participation rate | 33.3% | 83.3%-50.0pp | 79.8%-46.4pp | 82.5%-49.1pp |
| Annual return | 22.05% | 54.85%-32.8pp | 43.79%-21.7pp | 345.43%-323.4pp |
| Employer contribution / active EE | $782 | $4,947-84.2% | $3,866-79.8% | $4,764-83.6% |
| Participant deferral / active EE | $2,401 | $5,868-59.1% | $4,937-51.4% | $5,851-59.0% |
| Admin fee / account holder | $817 | $13,437-93.9% | $9,704-91.6% | $11,599-93.0% |