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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 | $32,801 | $154,228-78.7% | $145,433-77.4% | $137,256-76.1% |
| Participation rate | 5.9% | 83.8%-77.9pp | 82.1%-76.2pp | 80.0%-74.1pp |
| Annual return | 27.81% | 74.59%-46.8pp | 66.58%-38.8pp | 220.34%-192.5pp |
| Employer contribution / active EE | $573 | $4,804-88.1% | $4,554-87.4% | $4,156-86.2% |
| Participant deferral / active EE | $3,303 | $8,216-59.8% | $7,897-58.2% | $6,407-48.4% |
| Admin fee / account holder | $6,965 | $14,344-51.4% | $13,129-46.9% | $12,270-43.2% |