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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 | $147,614 | $96,388+53.1% | $80,627+83.1% | $139,466+5.8% |
| Participation rate | 68.8% | 73.6%-4.9pp | 67.0%+1.7pp | 80.3%-11.6pp |
| Annual return | 16.96% | 1352.08%-1335.1pp | 936.76%-919.8pp | 373.66%-356.7pp |
| Employer contribution / active EE | $142 | $3,260-95.7% | $2,723-94.8% | $4,754-97.0% |
| Participant deferral / active EE | $2,179 | $5,224-58.3% | $4,443-51.0% | $6,712-67.5% |
| Admin fee / account holder | $7,994 | $6,603+21.1% | $5,381+48.6% | $11,409-29.9% |