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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 | $137,782 | $160,028-13.9% | $147,080-6.3% | $145,884-5.6% |
| Participation rate | 64.7% | 84.0%-19.3pp | 82.2%-17.5pp | 80.3%-15.6pp |
| Annual return | 12.35% | 98.60%-86.2pp | 420.17%-407.8pp | 551.85%-539.5pp |
| Employer contribution / active EE | $1,015 | $5,286-80.8% | $4,933-79.4% | $4,662-78.2% |
| Participant deferral / active EE | $8,127 | $8,422-3.5% | $8,066+0.8% | $6,690+21.5% |
| Admin fee / account holder | $74,958 | $15,030+398.7% | $12,989+477.1% | $13,392+459.7% |