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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 | $47,308 | $202,440-76.6% | $169,390-72.1% | $139,466-66.1% |
| Participation rate | 22.2% | 81.1%-58.9pp | 77.2%-55.0pp | 80.3%-58.1pp |
| Annual return | 20.51% | 532.36%-511.9pp | 406.07%-385.6pp | 373.66%-353.2pp |
| Employer contribution / active EE | $337 | $4,693-92.8% | $4,013-91.6% | $4,754-92.9% |
| Participant deferral / active EE | $2,507 | $6,940-63.9% | $6,222-59.7% | $6,712-62.6% |
| Admin fee / account holder | $15,180 | $10,722+41.6% | $9,015+68.4% | $11,409+33.1% |