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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 | $156,398-79.0% | $147,318-77.7% | $138,895-76.4% |
| Participation rate | 5.9% | 83.8%-77.9pp | 82.1%-76.2pp | 79.9%-74.0pp |
| Annual return | 27.81% | 78.75%-50.9pp | 70.43%-42.6pp | 145.39%-117.6pp |
| Employer contribution / active EE | $573 | $4,853-88.2% | $4,593-87.5% | $4,194-86.3% |
| Participant deferral / active EE | $3,303 | $8,237-59.9% | $7,906-58.2% | $6,396-48.4% |
| Admin fee / account holder | $6,965 | $14,976-53.5% | $13,708-49.2% | $12,562-44.6% |