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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 | $239,862 | $210,991+13.7% | $153,741+56.0% | $145,897+64.4% |
| Participation rate | 50.0% | 82.1%-32.1pp | 77.1%-27.1pp | 80.3%-30.3pp |
| Annual return | 16.21% | 13.46%+2.7pp | 15.71%+0.5pp | 552.29%-536.1pp |
| Employer contribution / active EE | $1,194 | $6,057-80.3% | $5,042-76.3% | $4,663-74.4% |
| Participant deferral / active EE | $5,190 | $7,979-35.0% | $6,757-23.2% | $6,689-22.4% |
| Admin fee / account holder | $1,427 | $19,490-92.7% | $12,749-88.8% | $13,390-89.3% |