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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 | $25,145 | $180,749-86.1% | $160,784-84.4% | $137,256-81.7% |
| Participation rate | 56.5% | 80.0%-23.5pp | 77.0%-20.4pp | 80.0%-23.4pp |
| Annual return | 22.55% | 2234.46%-2211.9pp | 1803.92%-1781.4pp | 220.34%-197.8pp |
| Employer contribution / active EE | $400 | $4,155-90.4% | $3,733-89.3% | $4,156-90.4% |
| Participant deferral / active EE | $4,520 | $6,844-34.0% | $6,293-28.2% | $6,407-29.5% |
| Admin fee / account holder | $1,115 | $10,397-89.3% | $9,717-88.5% | $12,270-90.9% |