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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 | $201,575 | $228,395-11.7% | $185,861+8.5% | $158,982+26.8% |
| Participation rate | 66.7% | 82.3%-15.6pp | 78.0%-11.4pp | 82.0%-15.3pp |
| Annual return | 15.94% | 40.82%-24.9pp | 35.96%-20.0pp | 302.99%-287.1pp |
| Employer contribution / active EE | $269 | $4,968-94.6% | $4,088-93.4% | $4,763-94.3% |
| Participant deferral / active EE | $2,692 | $6,417-58.0% | $5,634-52.2% | $5,983-55.0% |
| Admin fee / account holder | $2,931 | $11,869-75.3% | $9,503-69.2% | $11,252-74.0% |