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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 | $223,245 | $212,777+4.9% | $173,703+28.5% | $198,609+12.4% |
| Participation rate | 50.0% | 81.1%-31.1pp | 75.9%-25.9pp | 82.4%-32.4pp |
| Annual return | 13.65% | 18.82%-5.2pp | 17.46%-3.8pp | 202.70%-189.0pp |
| Employer contribution / active EE | $408 | $5,214-92.2% | $4,288-90.5% | $5,055-91.9% |
| Participant deferral / active EE | $9,177 | $5,697+61.1% | $4,854+89.1% | $6,977+31.5% |
| Admin fee / account holder | $5,683 | $19,536-70.9% | $15,562-63.5% | $19,030-70.1% |