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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 | $187,848 | $102,595+83.1% | $94,057+99.7% | $154,746+21.4% |
| Participation rate | 21.4% | 76.0%-54.6pp | 73.3%-51.9pp | 80.7%-59.3pp |
| Annual return | 13.87% | 583.42%-569.5pp | 480.62%-466.7pp | 172.34%-158.5pp |
| Employer contribution / active EE | $180 | $3,147-94.3% | $2,933-93.9% | $4,379-95.9% |
| Participant deferral / active EE | $1,538 | $5,118-70.0% | $4,709-67.4% | $6,730-77.2% |
| Admin fee / account holder | $23,443 | $7,736+203.0% | $7,244+223.6% | $14,365+63.2% |