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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 | $70,366+167.0% | $66,674+181.7% | $138,895+35.2% |
| Participation rate | 21.4% | 76.2%-54.7pp | 73.7%-52.2pp | 79.9%-58.5pp |
| Annual return | 13.87% | 386.41%-372.5pp | 321.24%-307.4pp | 145.39%-131.5pp |
| Employer contribution / active EE | $180 | $2,765-93.5% | $2,620-93.1% | $4,194-95.7% |
| Participant deferral / active EE | $1,538 | $4,374-64.8% | $4,084-62.4% | $6,396-76.0% |
| Admin fee / account holder | $23,443 | $5,262+345.5% | $5,098+359.8% | $12,562+86.6% |