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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 | $33,897 | $180,749-81.2% | $160,784-78.9% | $137,256-75.3% |
| Participation rate | 33.3% | 80.0%-46.6pp | 77.0%-43.6pp | 80.0%-46.6pp |
| Annual return | 19.13% | 2234.46%-2215.3pp | 1803.92%-1784.8pp | 220.34%-201.2pp |
| Employer contribution / active EE | $194 | $4,155-95.3% | $3,733-94.8% | $4,156-95.3% |
| Participant deferral / active EE | $2,868 | $6,844-58.1% | $6,293-54.4% | $6,407-55.2% |
| Admin fee / account holder | $531 | $10,397-94.9% | $9,717-94.5% | $12,270-95.7% |