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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 | $49,814 | $124,425-60.0% | $112,040-55.5% | $137,256-63.7% |
| Participation rate | 20.8% | 79.3%-58.5pp | 76.5%-55.7pp | 80.0%-59.1pp |
| Annual return | 20.69% | 24.72%-4.0pp | 24.52%-3.8pp | 220.34%-199.7pp |
| Employer contribution / active EE | $440 | $3,411-87.1% | $2,954-85.1% | $4,156-89.4% |
| Participant deferral / active EE | $2,186 | $5,718-61.8% | $5,098-57.1% | $6,407-65.9% |
| Admin fee / account holder | $5,945 | $15,207-60.9% | $12,098-50.9% | $12,270-51.5% |