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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 | $229,070 | $110,379+107.5% | $102,412+123.7% | $145,884+57.0% |
| Participation rate | 45.8% | 77.9%-32.1pp | 74.5%-28.7pp | 80.3%-34.5pp |
| Annual return | 36.45% | 24.84%+11.6pp | 24.94%+11.5pp | 551.85%-515.4pp |
| Employer contribution / active EE | $734 | $4,216-82.6% | $3,870-81.0% | $4,662-84.2% |
| Participant deferral / active EE | $3,005 | $5,622-46.6% | $5,060-40.6% | $6,690-55.1% |
| Admin fee / account holder | $4,229 | $9,745-56.6% | $8,388-49.6% | $13,392-68.4% |