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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 | $160,077 | $112,935+41.7% | $90,970+76.0% | $158,966+0.7% |
| Participation rate | 45.5% | 74.7%-29.3pp | 69.0%-23.6pp | 82.0%-36.5pp |
| Annual return | 14.67% | 215.79%-201.1pp | 134.58%-119.9pp | 302.95%-288.3pp |
| Employer contribution / active EE | $265 | $2,895-90.8% | $2,122-87.5% | $4,762-94.4% |
| Participant deferral / active EE | $1,668 | $4,129-59.6% | $3,373-50.5% | $5,983-72.1% |
| Admin fee / account holder | $10,508 | $8,045+30.6% | $5,960+76.3% | $11,250-6.6% |