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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 | $216,963 | $106,280+104.1% | $96,538+124.7% | $139,487+55.5% |
| Participation rate | 46.2% | 77.8%-31.7pp | 74.3%-28.2pp | 80.3%-34.2pp |
| Annual return | 13.51% | 38.48%-25.0pp | 35.74%-22.2pp | 373.84%-360.3pp |
| Employer contribution / active EE | $241 | $4,107-94.1% | $3,740-93.6% | $4,755-94.9% |
| Participant deferral / active EE | $3,913 | $5,457-28.3% | $4,880-19.8% | $6,713-41.7% |
| Admin fee / account holder | $8,750 | $7,888+10.9% | $6,737+29.9% | $11,407-23.3% |