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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 | $173,089 | $180,459-4.1% | $154,108+12.3% | $135,380+27.9% |
| Participation rate | 66.7% | 87.4%-20.8pp | 83.0%-16.4pp | 82.6%-16.0pp |
| Annual return | -5.15% | 888.21%-893.4pp | 735.21%-740.4pp | 519.81%-525.0pp |
| Employer contribution / active EE | $1,187 | $6,035-80.3% | $5,298-77.6% | $4,779-75.2% |
| Participant deferral / active EE | $5,871 | $5,806+1.1% | $5,081+15.6% | $5,609+4.7% |
| Admin fee / account holder | $811 | $16,145-95.0% | $13,411-94.0% | $10,828-92.5% |