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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 | $26,607 | $156,398-83.0% | $147,318-81.9% | $138,895-80.8% |
| Participation rate | 35.7% | 83.8%-48.0pp | 82.1%-46.4pp | 79.9%-44.2pp |
| Annual return | 17.56% | 78.75%-61.2pp | 70.43%-52.9pp | 145.39%-127.8pp |
| Employer contribution / active EE | $0 | $4,853-100.0% | $4,593-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,563 | $8,237-68.9% | $7,906-67.6% | $6,396-59.9% |
| Admin fee / account holder | $2,146 | $14,976-85.7% | $13,708-84.3% | $12,562-82.9% |