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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 | $195,068 | $167,533+16.4% | $151,645+28.6% | $134,545+45.0% |
| Participation rate | 40.0% | 88.4%-48.4pp | 87.5%-47.5pp | 81.2%-41.2pp |
| Annual return | -18.65% | 7.81%-26.5pp | 3.34%-22.0pp | 418.37%-437.0pp |
| Employer contribution / active EE | $1,115 | $6,828-83.7% | $6,165-81.9% | $4,742-76.5% |
| Participant deferral / active EE | $6,578 | $8,985-26.8% | $8,363-21.3% | $6,401+2.8% |
| Admin fee / account holder | $1,181 | $13,781-91.4% | $11,614-89.8% | $11,431-89.7% |