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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 | $160,812 | $117,859+36.4% | $102,438+57.0% | $145,959+10.2% |
| Participation rate | 33.3% | 78.6%-45.3pp | 76.5%-43.2pp | 80.3%-47.0pp |
| Annual return | 9.22% | 31.72%-22.5pp | 29.37%-20.2pp | 561.95%-552.7pp |
| Employer contribution / active EE | $589 | $3,615-83.7% | $3,024-80.5% | $4,661-87.4% |
| Participant deferral / active EE | $6,758 | $5,732+17.9% | $5,054+33.7% | $6,689+1.0% |
| Admin fee / account holder | $731,868 | $13,318+5395.3% | $9,448+7646.5% | $13,398+5362.6% |