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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 | $56,472 | $223,823-74.8% | $211,142-73.3% | $154,746-63.5% |
| Participation rate | 58.3% | 87.9%-29.5pp | 87.3%-29.0pp | 80.7%-22.4pp |
| Annual return | 14.10% | 50.39%-36.3pp | 46.84%-32.7pp | 172.34%-158.2pp |
| Employer contribution / active EE | $872 | $6,787-87.1% | $6,442-86.5% | $4,379-80.1% |
| Participant deferral / active EE | $3,638 | $9,750-62.7% | $9,284-60.8% | $6,730-45.9% |
| Admin fee / account holder | $467 | $19,707-97.6% | $19,076-97.6% | $14,365-96.8% |