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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 | $126,490 | $157,304-19.6% | $141,197-10.4% | $152,909-17.3% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 17.60% | 64.34%-46.7pp | 71.41%-53.8pp | 345.46%-327.9pp |
| Employer contribution / active EE | $425 | $5,263-91.9% | $4,736-91.0% | $4,764-91.1% |
| Participant deferral / active EE | $7,798 | $7,111+9.7% | $6,710+16.2% | $5,851+33.3% |
| Admin fee / account holder | $43,882 | $12,126+261.9% | $10,265+327.5% | $11,601+278.3% |