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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 | $149,975 | $154,159-2.7% | $130,026+15.3% | $139,456+7.5% |
| Participation rate | 69.2% | 82.0%-12.7pp | 78.5%-9.3pp | 80.3%-11.1pp |
| Annual return | 12.86% | 32.50%-19.6pp | -137.26%+150.1pp | 373.45%-360.6pp |
| Employer contribution / active EE | $645 | $5,292-87.8% | $4,321-85.1% | $4,753-86.4% |
| Participant deferral / active EE | $3,868 | $6,710-42.4% | $5,821-33.6% | $6,711-42.4% |
| Admin fee / account holder | $16,984 | $14,001+21.3% | $10,608+60.1% | $11,407+48.9% |