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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 | $117,895+36.4% | $102,460+57.0% | $145,897+10.2% |
| Participation rate | 33.3% | 78.6%-45.3pp | 76.5%-43.2pp | 80.3%-47.0pp |
| Annual return | 9.22% | 31.92%-22.7pp | 29.47%-20.3pp | 552.29%-543.1pp |
| Employer contribution / active EE | $589 | $3,619-83.7% | $3,025-80.5% | $4,663-87.4% |
| Participant deferral / active EE | $6,758 | $5,736+17.8% | $5,056+33.7% | $6,689+1.0% |
| Admin fee / account holder | $731,868 | $13,353+5381.0% | $9,460+7636.4% | $13,390+5365.6% |