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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 | $184,456 | $209,888-12.1% | $189,545-2.7% | $167,553+10.1% |
| Participation rate | 38.9% | 88.7%-49.8pp | 87.8%-48.9pp | 82.1%-43.2pp |
| Annual return | 14.17% | 748.66%-734.5pp | 555.36%-541.2pp | 478.89%-464.7pp |
| Employer contribution / active EE | $631 | $6,915-90.9% | $6,162-89.8% | $4,840-87.0% |
| Participant deferral / active EE | $4,897 | $8,934-45.2% | $8,220-40.4% | $6,343-22.8% |
| Admin fee / account holder | $12,263 | $14,300-14.2% | $12,049+1.8% | $12,316-0.4% |