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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 | $209,488 | $115,810+80.9% | $101,271+106.9% | $158,966+31.8% |
| Participation rate | 60.0% | 79.4%-19.4pp | 75.8%-15.8pp | 82.0%-22.0pp |
| Annual return | 15.67% | 56.15%-40.5pp | 46.48%-30.8pp | 302.95%-287.3pp |
| Employer contribution / active EE | $409 | $4,175-90.2% | $3,660-88.8% | $4,762-91.4% |
| Participant deferral / active EE | $1,901 | $4,958-61.7% | $4,371-56.5% | $5,983-68.2% |
| Admin fee / account holder | $8,939 | $7,248+23.3% | $5,948+50.3% | $11,250-20.5% |