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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 | $197,033 | $175,259+12.4% | $149,723+31.6% | $139,487+41.3% |
| Participation rate | 42.9% | 83.4%-40.5pp | 78.8%-35.9pp | 80.3%-37.5pp |
| Annual return | 19.54% | 166.82%-147.3pp | 134.50%-115.0pp | 373.84%-354.3pp |
| Employer contribution / active EE | $814 | $5,478-85.1% | $4,821-83.1% | $4,755-82.9% |
| Participant deferral / active EE | $9,225 | $6,522+41.4% | $5,682+62.3% | $6,713+37.4% |
| Admin fee / account holder | $2,617 | $16,158-83.8% | $13,215-80.2% | $11,407-77.1% |