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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 | $157,144 | $178,174-11.8% | $156,181+0.6% | $137,256+14.5% |
| Participation rate | 62.5% | 82.0%-19.5pp | 78.8%-16.3pp | 80.0%-17.5pp |
| Annual return | 13.92% | 84.19%-70.3pp | 64.87%-51.0pp | 220.34%-206.4pp |
| Employer contribution / active EE | $475 | $4,972-90.5% | $4,294-88.9% | $4,156-88.6% |
| Participant deferral / active EE | $5,028 | $6,888-27.0% | $6,132-18.0% | $6,407-21.5% |
| Admin fee / account holder | $134,274 | $17,404+671.5% | $14,586+820.6% | $12,270+994.3% |