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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 | $121,310 | $88,672+36.8% | $105,223+15.3% | $82,448+47.1% |
| Participation rate | 60.5% | 67.9%-7.4pp | 75.0%-14.5pp | 68.1%-7.5pp |
| Annual return | 16.03% | 30.86%-14.8pp | 180.65%-164.6pp | 41.64%-25.6pp |
| Employer contribution / active EE | $725 | $3,048-76.2% | $3,689-80.3% | $2,551-71.6% |
| Participant deferral / active EE | $3,770 | $4,036-6.6% | $5,072-25.7% | $4,139-8.9% |
| Admin fee / account holder | $7,559 | $7,146+5.8% | $8,859-14.7% | $7,234+4.5% |