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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 | $48,624 | $114,119-57.4% | $107,187-54.6% | $138,895-65.0% |
| Participation rate | 25.0% | 78.1%-53.1pp | 75.0%-50.0pp | 79.9%-54.9pp |
| Annual return | 15.24% | 273.21%-258.0pp | 204.55%-189.3pp | 145.39%-130.2pp |
| Employer contribution / active EE | $805 | $4,059-80.2% | $3,782-78.7% | $4,194-80.8% |
| Participant deferral / active EE | $2,046 | $5,538-63.1% | $5,096-59.8% | $6,396-68.0% |
| Admin fee / account holder | $1,231 | $10,024-87.7% | $9,162-86.6% | $12,562-90.2% |