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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 | $174,379-88.0% | $152,093-86.2% | $138,895-84.9% |
| Participation rate | 30.0% | 81.6%-51.6pp | 77.8%-47.8pp | 79.9%-49.9pp |
| Annual return | 12.57% | 74.86%-62.3pp | 66.36%-53.8pp | 145.39%-132.8pp |
| Employer contribution / active EE | $868 | $4,652-81.3% | $4,175-79.2% | $4,194-79.3% |
| Participant deferral / active EE | $3,987 | $6,159-35.3% | $5,451-26.9% | $6,396-37.7% |
| Admin fee / account holder | $46,101 | $16,880+173.1% | $14,497+218.0% | $12,562+267.0% |