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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 | $168,099 | $184,000-8.6% | $162,185+3.6% | $152,909+9.9% |
| Participation rate | 33.3% | 88.5%-55.2pp | 87.6%-54.2pp | 82.5%-49.1pp |
| Annual return | 24.04% | 150.80%-126.8pp | 115.61%-91.6pp | 345.46%-321.4pp |
| Employer contribution / active EE | $533 | $6,370-91.6% | $5,613-90.5% | $4,764-88.8% |
| Participant deferral / active EE | $8,333 | $8,033+3.7% | $7,297+14.2% | $5,851+42.4% |
| Admin fee / account holder | $961 | $13,124-92.7% | $10,844-91.1% | $11,601-91.7% |