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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 | $189,857 | $160,040+18.6% | $147,096+29.1% | $145,877+30.1% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 18.34% | 98.49%-80.2pp | 419.75%-401.4pp | 551.28%-532.9pp |
| Employer contribution / active EE | $556 | $5,289-89.5% | $4,936-88.7% | $4,663-88.1% |
| Participant deferral / active EE | $4,827 | $8,429-42.7% | $8,071-40.2% | $6,691-27.9% |
| Admin fee / account holder | $3,760 | $15,050-75.0% | $13,005-71.1% | $13,402-71.9% |