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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 | $28,096 | $95,959-70.7% | $97,411-71.2% | $138,895-79.8% |
| Participation rate | 44.4% | 81.8%-37.4pp | 80.4%-35.9pp | 79.9%-35.5pp |
| Annual return | 29.14% | 29.30%-0.2pp | 34.72%-5.6pp | 145.39%-116.2pp |
| Employer contribution / active EE | $893 | $4,278-79.1% | $4,210-78.8% | $4,194-78.7% |
| Participant deferral / active EE | $5,944 | $5,876+1.1% | $5,886+1.0% | $6,396-7.1% |
| Admin fee / account holder | $751 | $7,555-90.1% | $7,145-89.5% | $12,562-94.0% |