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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 | $39,516 | $174,379-77.3% | $152,093-74.0% | $138,895-71.5% |
| Participation rate | 69.6% | 81.6%-12.1pp | 77.8%-8.2pp | 79.9%-10.4pp |
| Annual return | 16.35% | 74.86%-58.5pp | 66.36%-50.0pp | 145.39%-129.0pp |
| Employer contribution / active EE | $0 | $4,652-100.0% | $4,175-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $3,200 | $6,159-48.0% | $5,451-41.3% | $6,396-50.0% |
| Admin fee / account holder | $318 | $16,880-98.1% | $14,497-97.8% | $12,562-97.5% |