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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 | $197,422 | $159,934+23.4% | $147,005+34.3% | $145,959+35.3% |
| Participation rate | 36.4% | 84.0%-47.6pp | 82.2%-45.8pp | 80.3%-43.9pp |
| Annual return | 11.99% | 98.24%-86.2pp | 418.76%-406.8pp | 561.95%-550.0pp |
| Employer contribution / active EE | $918 | $5,287-82.6% | $4,934-81.4% | $4,661-80.3% |
| Participant deferral / active EE | $3,650 | $8,427-56.7% | $8,070-54.8% | $6,689-45.4% |
| Admin fee / account holder | $12,635 | $15,053-16.1% | $13,006-2.9% | $13,398-5.7% |