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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 | $172,111-89.2% | $150,298-87.7% | $137,256-86.5% |
| Participation rate | 28.6% | 81.7%-53.1pp | 77.8%-49.2pp | 80.0%-51.4pp |
| Annual return | 16.85% | 69.37%-52.5pp | 62.79%-45.9pp | 220.34%-203.5pp |
| Employer contribution / active EE | $539 | $4,636-88.4% | $4,154-87.0% | $4,156-87.0% |
| Participant deferral / active EE | $2,034 | $6,166-67.0% | $5,453-62.7% | $6,407-68.2% |
| Admin fee / account holder | $905 | $16,471-94.5% | $14,116-93.6% | $12,270-92.6% |