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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 | $181,355 | $150,447+20.5% | $136,298+33.1% | $147,586+22.9% |
| Participation rate | 37.5% | 84.4%-46.9pp | 81.9%-44.4pp | 82.8%-45.3pp |
| Annual return | 17.30% | 1049.15%-1031.9pp | 5156.27%-5139.0pp | 578.59%-561.3pp |
| Employer contribution / active EE | $473 | $5,256-91.0% | $4,696-89.9% | $4,876-90.3% |
| Participant deferral / active EE | $3,139 | $6,631-52.7% | $6,247-49.8% | $5,439-42.3% |
| Admin fee / account holder | $3,902 | $10,906-64.2% | $9,244-57.8% | $10,886-64.2% |