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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 | $214,625 | $137,414+56.2% | $189,545+13.2% | $85,851+150.0% |
| Participation rate | 69.4% | 84.6%-15.2pp | 87.8%-18.4pp | 69.3%+0.1pp |
| Annual return | 31.42% | 38.14%-6.7pp | 555.36%-523.9pp | 318.63%-287.2pp |
| Employer contribution / active EE | $0 | $4,344-100.0% | $6,162-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $10,422 | $6,260+66.5% | $8,220+26.8% | $3,952+163.7% |
| Admin fee / account holder | $9,768 | $8,630+13.2% | $12,049-18.9% | $6,261+56.0% |