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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 | $41,273 | $176,120-76.6% | $159,487-74.1% | $167,553-75.4% |
| Participation rate | 40.0% | 85.0%-45.0pp | 82.8%-42.8pp | 82.1%-42.1pp |
| Annual return | 19.87% | 331.95%-312.1pp | 263.71%-243.8pp | 478.89%-459.0pp |
| Employer contribution / active EE | $822 | $5,299-84.5% | $4,831-83.0% | $4,840-83.0% |
| Participant deferral / active EE | $9,707 | $7,752+25.2% | $7,354+32.0% | $6,343+53.0% |
| Admin fee / account holder | $368 | $12,561-97.1% | $10,804-96.6% | $12,316-97.0% |