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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 | $204,177 | $275,752-26.0% | $256,809-20.5% | $198,609+2.8% |
| Participation rate | 66.7% | 89.2%-22.5pp | 88.5%-21.9pp | 82.4%-15.7pp |
| Annual return | 11.81% | 34.81%-23.0pp | 32.73%-20.9pp | 202.70%-190.9pp |
| Employer contribution / active EE | $1,294 | $7,721-83.2% | $7,263-82.2% | $5,055-74.4% |
| Participant deferral / active EE | $6,538 | $10,037-34.9% | $9,520-31.3% | $6,977-6.3% |
| Admin fee / account holder | $10,269 | $25,716-60.1% | $25,146-59.2% | $19,030-46.0% |