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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 | $208,026 | $142,409+46.1% | $119,634+73.9% | $134,545+54.6% |
| Participation rate | 62.5% | 82.8%-20.3pp | 79.3%-16.8pp | 81.2%-18.7pp |
| Annual return | -14.35% | -12.46%-1.9pp | -14.98%+0.6pp | 418.37%-432.7pp |
| Employer contribution / active EE | $375 | $5,224-92.8% | $4,232-91.1% | $4,742-92.1% |
| Participant deferral / active EE | $4,814 | $6,468-25.6% | $5,601-14.1% | $6,401-24.8% |
| Admin fee / account holder | $1,201 | $13,594-91.2% | $10,329-88.4% | $11,431-89.5% |