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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 | $133,117 | $60,504+120.0% | $81,882+62.6% | $74,478+78.7% |
| Participation rate | 28.3% | 62.9%-34.7pp | 72.4%-44.1pp | 67.2%-39.0pp |
| Annual return | 20.00% | 16.91%+3.1pp | 779.47%-759.5pp | 1370.56%-1350.6pp |
| Employer contribution / active EE | $309 | $2,627-88.2% | $2,916-89.4% | $2,626-88.2% |
| Participant deferral / active EE | $2,286 | $3,400-32.8% | $4,323-47.1% | $4,350-47.5% |
| Admin fee / account holder | $9,866 | $1,492+561.3% | $7,360+34.1% | $1,946+407.1% |