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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 | $132,406 | $85,766+54.4% | $136,298-2.9% | $70,126+88.8% |
| Participation rate | 62.7% | 74.2%-11.4pp | 81.9%-19.2pp | 69.5%-6.8pp |
| Annual return | 16.45% | 31.46%-15.0pp | 5156.27%-5139.8pp | 73.15%-56.7pp |
| Employer contribution / active EE | $357 | $2,966-88.0% | $4,696-92.4% | $2,343-84.8% |
| Participant deferral / active EE | $4,706 | $5,051-6.8% | $6,247-24.7% | $3,332+41.3% |
| Admin fee / account holder | $4,504 | $5,421-16.9% | $9,244-51.3% | $4,645-3.1% |