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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 | $54,309 | $129,737-58.1% | $119,126-54.4% | $154,746-64.9% |
| Participation rate | 20.0% | 78.9%-58.9pp | 75.8%-55.8pp | 80.7%-60.7pp |
| Annual return | 14.14% | 379.08%-364.9pp | 282.11%-268.0pp | 172.34%-158.2pp |
| Employer contribution / active EE | $680 | $4,375-84.4% | $4,034-83.1% | $4,379-84.5% |
| Participant deferral / active EE | $2,450 | $5,842-58.1% | $5,318-53.9% | $6,730-63.6% |
| Admin fee / account holder | $3,406 | $11,961-71.5% | $10,693-68.2% | $14,365-76.3% |