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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 | $159,934+24.7% | $147,005+35.7% | $145,959+36.7% |
| Participation rate | 18.2% | 84.0%-65.8pp | 82.2%-64.0pp | 80.3%-62.1pp |
| Annual return | 10.36% | 98.24%-87.9pp | 418.76%-408.4pp | 561.95%-551.6pp |
| Employer contribution / active EE | $600 | $5,287-88.7% | $4,934-87.8% | $4,661-87.1% |
| Participant deferral / active EE | $3,273 | $8,427-61.2% | $8,070-59.4% | $6,689-51.1% |
| Admin fee / account holder | $1,806 | $15,053-88.0% | $13,006-86.1% | $13,398-86.5% |