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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 | $178,795 | $202,342-11.6% | $172,752+3.5% | $152,897+16.9% |
| Participation rate | 14.3% | 87.1%-72.8pp | 82.6%-68.4pp | 82.5%-68.2pp |
| Annual return | 29.04% | 1029.83%-1000.8pp | 802.97%-773.9pp | 345.43%-316.4pp |
| Employer contribution / active EE | $856 | $5,858-85.4% | $5,144-83.4% | $4,764-82.0% |
| Participant deferral / active EE | $3,571 | $5,948-40.0% | $5,198-31.3% | $5,851-39.0% |
| Admin fee / account holder | $13,422 | $17,111-21.6% | $13,955-3.8% | $11,599+15.7% |