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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 | $37,822 | $165,361-77.1% | $149,715-74.7% | $158,950-76.2% |
| Participation rate | 15.4% | 84.6%-69.2pp | 82.5%-67.1pp | 82.0%-66.6pp |
| Annual return | 8.46% | 348.24%-339.8pp | 276.66%-268.2pp | 302.91%-294.4pp |
| Employer contribution / active EE | $593 | $5,103-88.4% | $4,645-87.2% | $4,762-87.5% |
| Participant deferral / active EE | $2,378 | $7,182-66.9% | $6,842-65.2% | $5,983-60.3% |
| Admin fee / account holder | $15,171 | $10,808+40.4% | $9,310+63.0% | $11,248+34.9% |