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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 | $188,337 | $138,102+36.4% | $125,381+50.2% | $134,532+40.0% |
| Participation rate | 66.7% | 84.5%-17.8pp | 82.4%-15.7pp | 81.2%-14.6pp |
| Annual return | -8.59% | 750.73%-759.3pp | 572.31%-580.9pp | 418.27%-426.9pp |
| Employer contribution / active EE | $786 | $5,245-85.0% | $4,815-83.7% | $4,741-83.4% |
| Participant deferral / active EE | $4,862 | $7,801-37.7% | $7,448-34.7% | $6,401-24.0% |
| Admin fee / account holder | $1,116 | $11,568-90.4% | $10,007-88.8% | $11,429-90.2% |