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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 | $197,472 | $133,981+47.4% | $112,249+75.9% | $134,532+46.8% |
| Participation rate | 62.5% | 78.6%-16.1pp | 75.1%-12.6pp | 81.2%-18.7pp |
| Annual return | -16.43% | 47.16%-63.6pp | 27.48%-43.9pp | 418.27%-434.7pp |
| Employer contribution / active EE | $439 | $4,040-89.1% | $3,636-87.9% | $4,741-90.7% |
| Participant deferral / active EE | $1,967 | $5,292-62.8% | $4,729-58.4% | $6,401-69.3% |
| Admin fee / account holder | $5,435 | $7,492-27.5% | $6,412-15.2% | $11,429-52.4% |