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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 | $205,194 | $213,785-4.0% | $185,441+10.7% | $155,188+32.2% |
| Participation rate | 36.4% | 83.2%-46.9pp | 80.3%-43.9pp | 80.8%-44.4pp |
| Annual return | 18.64% | 19.97%-1.3pp | 20.16%-1.5pp | 148.84%-130.2pp |
| Employer contribution / active EE | $726 | $5,393-86.5% | $4,672-84.5% | $4,248-82.9% |
| Participant deferral / active EE | $3,474 | $6,864-49.4% | $6,152-43.5% | $6,531-46.8% |
| Admin fee / account holder | $1,732 | $21,134-91.8% | $17,890-90.3% | $14,480-88.0% |