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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 | $134,045 | $185,856-27.9% | $170,028-21.2% | $139,456-3.9% |
| Participation rate | 60.0% | 87.8%-27.8pp | 87.0%-27.0pp | 80.3%-20.3pp |
| Annual return | 26.24% | 60.52%-34.3pp | 53.39%-27.2pp | 373.45%-347.2pp |
| Employer contribution / active EE | $1,280 | $7,593-83.1% | $6,788-81.1% | $4,753-73.1% |
| Participant deferral / active EE | $12,320 | $11,623+6.0% | $10,409+18.4% | $6,711+83.6% |
| Admin fee / account holder | $812 | $15,387-94.7% | $12,820-93.7% | $11,407-92.9% |