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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 | $33,217 | $107,363-69.1% | $92,909-64.2% | $152,897-78.3% |
| Participation rate | 20.0% | 79.8%-59.8pp | 76.0%-56.0pp | 82.5%-62.5pp |
| Annual return | 20.16% | 145.63%-125.5pp | 109.44%-89.3pp | 345.43%-325.3pp |
| Employer contribution / active EE | $329 | $4,222-92.2% | $3,653-91.0% | $4,764-93.1% |
| Participant deferral / active EE | $1,930 | $4,848-60.2% | $4,238-54.5% | $5,851-67.0% |
| Admin fee / account holder | $1,838 | $7,082-74.0% | $5,795-68.3% | $11,599-84.2% |