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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 | $131,221 | $94,031+39.6% | $115,768+13.3% | $82,448+59.2% |
| Participation rate | 67.9% | 70.4%-2.5pp | 74.4%-6.5pp | 68.1%-0.1pp |
| Annual return | 13.09% | 20.61%-7.5pp | 100.46%-87.4pp | 41.64%-28.6pp |
| Employer contribution / active EE | $321 | $2,323-86.2% | $2,940-89.1% | $2,551-87.4% |
| Participant deferral / active EE | $3,006 | $3,972-24.3% | $4,917-38.9% | $4,139-27.4% |
| Admin fee / account holder | $30,225 | $10,249+194.9% | $12,439+143.0% | $7,234+317.8% |