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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 | $166,426 | $107,363+55.0% | $92,909+79.1% | $152,897+8.8% |
| Participation rate | 60.0% | 79.8%-19.8pp | 76.0%-16.0pp | 82.5%-22.5pp |
| Annual return | 22.20% | 145.63%-123.4pp | 109.44%-87.2pp | 345.43%-323.2pp |
| Employer contribution / active EE | $363 | $4,222-91.4% | $3,653-90.1% | $4,764-92.4% |
| Participant deferral / active EE | $1,590 | $4,848-67.2% | $4,238-62.5% | $5,851-72.8% |
| Admin fee / account holder | $9,817 | $7,082+38.6% | $5,795+69.4% | $11,599-15.4% |