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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 | $216,030 | $91,537+136.0% | $130,045+66.1% | $75,173+187.4% |
| Participation rate | 55.3% | 71.5%-16.2pp | 78.5%-23.2pp | 67.2%-11.9pp |
| Annual return | 13.17% | -631.55%+644.7pp | -137.30%+150.5pp | 160.72%-147.5pp |
| Employer contribution / active EE | $520 | $2,845-81.7% | $4,321-88.0% | $2,671-80.5% |
| Participant deferral / active EE | $5,201 | $4,343+19.8% | $5,820-10.6% | $4,126+26.0% |
| Admin fee / account holder | $14,875 | $6,780+119.4% | $10,600+40.3% | $5,651+163.2% |