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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 | $193,126 | $156,616+23.3% | $133,346+44.8% | $198,609-2.8% |
| Participation rate | 50.0% | 77.7%-27.7pp | 72.8%-22.8pp | 82.4%-32.4pp |
| Annual return | 15.56% | 44.25%-28.7pp | 36.85%-21.3pp | 202.70%-187.1pp |
| Employer contribution / active EE | $700 | $3,368-79.2% | $2,853-75.5% | $5,055-86.2% |
| Participant deferral / active EE | $15,500 | $4,920+215.1% | $4,332+257.8% | $6,977+122.2% |
| Admin fee / account holder | $2,061 | $17,468-88.2% | $14,264-85.6% | $19,030-89.2% |