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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 | $70,488 | $70,684-0.3% | $169,397-58.4% | $75,177-6.2% |
| Participation rate | 34.6% | 64.8%-30.2pp | 77.2%-42.6pp | 67.2%-32.6pp |
| Annual return | 18.26% | 36.38%-18.1pp | 406.23%-388.0pp | 160.75%-142.5pp |
| Employer contribution / active EE | $386 | $2,211-82.6% | $4,013-90.4% | $2,671-85.6% |
| Participant deferral / active EE | $2,378 | $4,310-44.8% | $6,223-61.8% | $4,126-42.4% |
| Admin fee / account holder | $663 | $5,404-87.7% | $9,017-92.7% | $5,651-88.3% |