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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 | $159,969 | $103,038+55.3% | $90,324+77.1% | $152,909+4.6% |
| Participation rate | 20.0% | 75.9%-55.9pp | 73.3%-53.3pp | 82.5%-62.5pp |
| Annual return | 12.56% | 95.25%-82.7pp | 78.15%-65.6pp | 345.46%-332.9pp |
| Employer contribution / active EE | $136 | $3,141-95.7% | $2,856-95.2% | $4,764-97.1% |
| Participant deferral / active EE | $848 | $4,282-80.2% | $3,885-78.2% | $5,851-85.5% |
| Admin fee / account holder | $625 | $6,177-89.9% | $5,356-88.3% | $11,601-94.6% |