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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 | $20,997 | $185,312-88.7% | $161,489-87.0% | $154,746-86.4% |
| Participation rate | 30.0% | 82.5%-52.5pp | 78.7%-48.7pp | 80.7%-50.7pp |
| Annual return | 12.57% | 103.84%-91.3pp | 89.72%-77.1pp | 172.34%-159.8pp |
| Employer contribution / active EE | $868 | $4,769-81.8% | $4,268-79.7% | $4,379-80.2% |
| Participant deferral / active EE | $3,987 | $6,350-37.2% | $5,630-29.2% | $6,730-40.8% |
| Admin fee / account holder | $46,101 | $18,654+147.1% | $16,006+188.0% | $14,365+220.9% |