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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 | $239,521 | $154,193+55.3% | $130,045+84.2% | $139,466+71.7% |
| Participation rate | 53.8% | 82.0%-28.1pp | 78.5%-24.7pp | 80.3%-26.5pp |
| Annual return | 17.64% | 32.51%-14.9pp | -137.30%+154.9pp | 373.66%-356.0pp |
| Employer contribution / active EE | $477 | $5,292-91.0% | $4,321-89.0% | $4,754-90.0% |
| Participant deferral / active EE | $5,505 | $6,709-17.9% | $5,820-5.4% | $6,712-18.0% |
| Admin fee / account holder | $34,541 | $13,989+146.9% | $10,600+225.9% | $11,409+202.8% |