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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 | $133,564 | $209,425-36.2% | $178,499-25.2% | $158,966-16.0% |
| Participation rate | 40.0% | 86.4%-46.4pp | 81.9%-41.9pp | 82.0%-42.0pp |
| Annual return | 12.23% | 188.80%-176.6pp | 151.10%-138.9pp | 302.95%-290.7pp |
| Employer contribution / active EE | $796 | $5,707-86.1% | $5,011-84.1% | $4,762-83.3% |
| Participant deferral / active EE | $10,400 | $5,955+74.6% | $5,202+99.9% | $5,983+73.8% |
| Admin fee / account holder | $75,902 | $17,078+344.4% | $13,986+442.7% | $11,250+574.7% |