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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 | $161,352+38.4% | $134,172+66.4% | $137,256+62.6% |
| Participation rate | 50.0% | 78.3%-28.3pp | 72.5%-22.5pp | 80.0%-30.0pp |
| Annual return | 13.65% | 28.72%-15.1pp | 25.30%-11.7pp | 220.34%-206.7pp |
| Employer contribution / active EE | $408 | $4,099-90.0% | $3,420-88.1% | $4,156-90.2% |
| Participant deferral / active EE | $9,177 | $5,552+65.3% | $4,690+95.7% | $6,407+43.2% |
| Admin fee / account holder | $5,683 | $15,028-62.2% | $12,016-52.7% | $12,270-53.7% |