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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 | $214,465 | $167,353+28.2% | $143,797+49.1% | $134,545+59.4% |
| Participation rate | 62.5% | 84.8%-22.3pp | 80.3%-17.8pp | 81.2%-18.7pp |
| Annual return | -17.16% | 0.48%-17.6pp | -0.04%-17.1pp | 418.37%-435.5pp |
| Employer contribution / active EE | $1,122 | $5,620-80.0% | $4,952-77.3% | $4,742-76.3% |
| Participant deferral / active EE | $5,817 | $6,447-9.8% | $5,638+3.2% | $6,401-9.1% |
| Admin fee / account holder | $1,145 | $18,096-93.7% | $14,679-92.2% | $11,431-90.0% |