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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 | $188,897 | $105,145+79.7% | $94,664+99.5% | $139,466+35.4% |
| Participation rate | 44.4% | 82.4%-37.9pp | 80.8%-36.4pp | 80.3%-35.9pp |
| Annual return | 13.81% | 38.09%-24.3pp | 156.84%-143.0pp | 373.66%-359.9pp |
| Employer contribution / active EE | $135 | $4,107-96.7% | $3,673-96.3% | $4,754-97.2% |
| Participant deferral / active EE | $3,272 | $7,599-56.9% | $7,417-55.9% | $6,712-51.2% |
| Admin fee / account holder | $11,046 | $8,972+23.1% | $7,222+53.0% | $11,409-3.2% |