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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 | $145,699 | $127,387+14.4% | $115,038+26.7% | $125,389+16.2% |
| Participation rate | 66.7% | 84.2%-17.5pp | 81.4%-14.7pp | 83.2%-16.5pp |
| Annual return | -0.92% | 31.28%-32.2pp | 26.14%-27.1pp | 282.24%-283.2pp |
| Employer contribution / active EE | $515 | $5,166-90.0% | $4,608-88.8% | $4,866-89.4% |
| Participant deferral / active EE | $6,869 | $6,423+6.9% | $6,026+14.0% | $5,352+28.3% |
| Admin fee / account holder | $469 | $9,516-95.1% | $8,175-94.3% | $9,541-95.1% |