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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 | $244,722 | $111,785+118.9% | $93,669+161.3% | $145,877+67.8% |
| Participation rate | 13.3% | 74.2%-60.9pp | 68.7%-55.4pp | 80.3%-67.0pp |
| Annual return | 11.97% | 203.79%-191.8pp | 133.59%-121.6pp | 551.28%-539.3pp |
| Employer contribution / active EE | $322 | $3,096-89.6% | $2,424-86.7% | $4,663-93.1% |
| Participant deferral / active EE | $3,567 | $4,919-27.5% | $4,416-19.2% | $6,691-46.7% |
| Admin fee / account holder | $1,816 | $10,256-82.3% | $8,291-78.1% | $13,402-86.4% |