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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 | $195,223 | $217,432-10.2% | $185,851+5.0% | $167,553+16.5% |
| Participation rate | 60.0% | 86.1%-26.1pp | 81.7%-21.7pp | 82.1%-22.1pp |
| Annual return | 27.50% | 148.43%-120.9pp | 122.11%-94.6pp | 478.89%-451.4pp |
| Employer contribution / active EE | $1,076 | $5,874-81.7% | $5,168-79.2% | $4,840-77.8% |
| Participant deferral / active EE | $4,212 | $6,357-33.7% | $5,569-24.4% | $6,343-33.6% |
| Admin fee / account holder | $1,183 | $19,820-94.0% | $16,245-92.7% | $12,316-90.4% |