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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 | $150,611 | $172,111-12.5% | $150,298+0.2% | $137,256+9.7% |
| Participation rate | 66.7% | 81.7%-15.0pp | 77.8%-11.1pp | 80.0%-13.3pp |
| Annual return | 12.88% | 69.37%-56.5pp | 62.79%-49.9pp | 220.34%-207.5pp |
| Employer contribution / active EE | $747 | $4,636-83.9% | $4,154-82.0% | $4,156-82.0% |
| Participant deferral / active EE | $6,067 | $6,166-1.6% | $5,453+11.3% | $6,407-5.3% |
| Admin fee / account holder | $964 | $16,471-94.1% | $14,116-93.2% | $12,270-92.1% |