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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 | $144,281 | $175,231-17.7% | $149,696-3.6% | $139,466+3.5% |
| Participation rate | 60.0% | 83.4%-23.4pp | 78.8%-18.8pp | 80.3%-20.3pp |
| Annual return | 16.02% | 166.77%-150.7pp | 134.46%-118.4pp | 373.66%-357.6pp |
| Employer contribution / active EE | $1,020 | $5,478-81.4% | $4,821-78.8% | $4,754-78.5% |
| Participant deferral / active EE | $3,600 | $6,521-44.8% | $5,682-36.6% | $6,712-46.4% |
| Admin fee / account holder | $1,251 | $16,155-92.3% | $13,212-90.5% | $11,409-89.0% |