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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 | $194,346 | $129,737+49.8% | $119,126+63.1% | $154,746+25.6% |
| Participation rate | 43.8% | 78.9%-35.1pp | 75.8%-32.0pp | 80.7%-37.0pp |
| Annual return | 16.78% | 379.08%-362.3pp | 282.11%-265.3pp | 172.34%-155.6pp |
| Employer contribution / active EE | $849 | $4,375-80.6% | $4,034-79.0% | $4,379-80.6% |
| Participant deferral / active EE | $3,754 | $5,842-35.7% | $5,318-29.4% | $6,730-44.2% |
| Admin fee / account holder | $11,041 | $11,961-7.7% | $10,693+3.2% | $14,365-23.1% |