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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 | $33,477 | $183,516-81.8% | $155,534-78.5% | $145,884-77.1% |
| Participation rate | 25.0% | 82.7%-57.7pp | 78.2%-53.2pp | 80.3%-55.3pp |
| Annual return | 42.00% | 61.43%-19.4pp | 64.92%-22.9pp | 551.85%-509.8pp |
| Employer contribution / active EE | $637 | $5,315-88.0% | $4,675-86.4% | $4,662-86.3% |
| Participant deferral / active EE | $2,284 | $6,467-64.7% | $5,630-59.4% | $6,690-65.9% |
| Admin fee / account holder | $8,218 | $19,293-57.4% | $15,900-48.3% | $13,392-38.6% |