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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 | $18,530 | $185,312-90.0% | $161,489-88.5% | $154,746-88.0% |
| Participation rate | 28.6% | 82.5%-53.9pp | 78.7%-50.1pp | 80.7%-52.1pp |
| Annual return | 16.85% | 103.84%-87.0pp | 89.72%-72.9pp | 172.34%-155.5pp |
| Employer contribution / active EE | $539 | $4,769-88.7% | $4,268-87.4% | $4,379-87.7% |
| Participant deferral / active EE | $2,034 | $6,350-68.0% | $5,630-63.9% | $6,730-69.8% |
| Admin fee / account holder | $905 | $18,654-95.1% | $16,006-94.3% | $14,365-93.7% |