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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 | $210,278 | $106,008+98.4% | $92,240+128.0% | $147,586+42.5% |
| Participation rate | 41.2% | 80.4%-39.2pp | 76.5%-35.3pp | 82.8%-41.7pp |
| Annual return | 10.82% | 50.05%-39.2pp | 176.29%-165.5pp | 578.59%-567.8pp |
| Employer contribution / active EE | $225 | $4,333-94.8% | $3,680-93.9% | $4,876-95.4% |
| Participant deferral / active EE | $2,292 | $4,478-48.8% | $3,897-41.2% | $5,439-57.9% |
| Admin fee / account holder | $2,422 | $6,333-61.7% | $5,194-53.4% | $10,886-77.7% |