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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 | $212,386-3.9% | $199,883+2.1% | $138,895+47.0% |
| Participation rate | 66.7% | 87.4%-20.7pp | 86.8%-20.1pp | 79.9%-13.3pp |
| Annual return | 11.81% | 47.75%-35.9pp | 43.81%-32.0pp | 145.39%-133.6pp |
| Employer contribution / active EE | $1,294 | $6,625-80.5% | $6,261-79.3% | $4,194-69.1% |
| Participant deferral / active EE | $6,538 | $9,617-32.0% | $9,138-28.5% | $6,396+2.2% |
| Admin fee / account holder | $10,269 | $18,233-43.7% | $17,268-40.5% | $12,562-18.3% |