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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 | $160,583 | $209,422-23.3% | $178,503-10.0% | $158,982+1.0% |
| Participation rate | 57.1% | 86.4%-29.2pp | 81.9%-24.8pp | 82.0%-24.8pp |
| Annual return | 22.83% | 188.81%-166.0pp | 151.12%-128.3pp | 302.99%-280.2pp |
| Employer contribution / active EE | $145 | $5,707-97.5% | $5,011-97.1% | $4,763-96.9% |
| Participant deferral / active EE | $4,516 | $5,955-24.2% | $5,202-13.2% | $5,983-24.5% |
| Admin fee / account holder | $564 | $17,079-96.7% | $13,987-96.0% | $11,252-95.0% |