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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 | $52,745 | $183,516-71.3% | $155,534-66.1% | $145,884-63.8% |
| Participation rate | 28.6% | 82.7%-54.1pp | 78.2%-49.6pp | 80.3%-51.7pp |
| Annual return | 17.15% | 61.43%-44.3pp | 64.92%-47.8pp | 551.85%-534.7pp |
| Employer contribution / active EE | $900 | $5,315-83.1% | $4,675-80.7% | $4,662-80.7% |
| Participant deferral / active EE | $3,805 | $6,467-41.2% | $5,630-32.4% | $6,690-43.1% |
| Admin fee / account holder | $931 | $19,293-95.2% | $15,900-94.1% | $13,392-93.0% |