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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 | $178,205 | $117,846+51.2% | $102,434+74.0% | $145,884+22.2% |
| Participation rate | 63.6% | 78.6%-15.0pp | 76.5%-12.9pp | 80.3%-16.7pp |
| Annual return | 18.99% | 31.90%-12.9pp | 29.46%-10.5pp | 551.85%-532.9pp |
| Employer contribution / active EE | $324 | $3,615-91.0% | $3,023-89.3% | $4,662-93.0% |
| Participant deferral / active EE | $2,036 | $5,733-64.5% | $5,055-59.7% | $6,690-69.6% |
| Admin fee / account holder | $4,526 | $13,356-66.1% | $9,462-52.2% | $13,392-66.2% |