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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 | $45,027 | $107,363-58.1% | $92,909-51.5% | $152,897-70.6% |
| Participation rate | 20.0% | 79.8%-59.8pp | 76.0%-56.0pp | 82.5%-62.5pp |
| Annual return | 29.79% | 145.63%-115.8pp | 109.44%-79.6pp | 345.43%-315.6pp |
| Employer contribution / active EE | $539 | $4,222-87.2% | $3,653-85.3% | $4,764-88.7% |
| Participant deferral / active EE | $3,371 | $4,848-30.5% | $4,238-20.4% | $5,851-42.4% |
| Admin fee / account holder | $309 | $7,082-95.6% | $5,795-94.7% | $11,599-97.3% |