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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 | $208,088-83.7% | $186,193-81.8% | $154,746-78.1% |
| Participation rate | 33.3% | 80.0%-46.7pp | 77.1%-43.8pp | 80.7%-47.4pp |
| Annual return | 19.13% | 89.97%-70.8pp | 78.03%-58.9pp | 172.34%-153.2pp |
| Employer contribution / active EE | $194 | $4,340-95.5% | $3,918-95.1% | $4,379-95.6% |
| Participant deferral / active EE | $2,868 | $7,078-59.5% | $6,513-56.0% | $6,730-57.4% |
| Admin fee / account holder | $531 | $11,698-95.5% | $11,058-95.2% | $14,365-96.3% |