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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 | $199,497 | $160,028+24.7% | $147,080+35.6% | $145,884+36.8% |
| Participation rate | 18.2% | 84.0%-65.8pp | 82.2%-64.0pp | 80.3%-62.1pp |
| Annual return | 10.36% | 98.60%-88.2pp | 420.17%-409.8pp | 551.85%-541.5pp |
| Employer contribution / active EE | $600 | $5,286-88.6% | $4,933-87.8% | $4,662-87.1% |
| Participant deferral / active EE | $3,273 | $8,422-61.1% | $8,066-59.4% | $6,690-51.1% |
| Admin fee / account holder | $1,806 | $15,030-88.0% | $12,989-86.1% | $13,392-86.5% |