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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 | $237,436 | $183,539+29.4% | $155,556+52.6% | $145,897+62.7% |
| Participation rate | 66.7% | 82.7%-16.0pp | 78.2%-11.6pp | 80.3%-13.6pp |
| Annual return | 15.17% | 61.31%-46.1pp | 64.84%-49.7pp | 552.29%-537.1pp |
| Employer contribution / active EE | $171 | $5,315-96.8% | $4,675-96.3% | $4,663-96.3% |
| Participant deferral / active EE | $0 | $6,467-100.0% | $5,631-100.0% | $6,689-100.0% |
| Admin fee / account holder | $8,068 | $19,275-58.1% | $15,885-49.2% | $13,390-39.7% |