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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 | $38,683 | $129,737-70.2% | $119,126-67.5% | $154,746-75.0% |
| Participation rate | 36.4% | 78.9%-42.5pp | 75.8%-39.4pp | 80.7%-44.3pp |
| Annual return | 12.41% | 379.08%-366.7pp | 282.11%-269.7pp | 172.34%-159.9pp |
| Employer contribution / active EE | $922 | $4,375-78.9% | $4,034-77.1% | $4,379-78.9% |
| Participant deferral / active EE | $2,144 | $5,842-63.3% | $5,318-59.7% | $6,730-68.1% |
| Admin fee / account holder | $3,819 | $11,961-68.1% | $10,693-64.3% | $14,365-73.4% |