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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 | $160,070+23.3% | $147,117+34.2% | $145,897+35.3% |
| Participation rate | 36.4% | 84.0%-47.7pp | 82.2%-45.8pp | 80.3%-43.9pp |
| Annual return | 11.99% | 98.69%-86.7pp | 420.54%-408.5pp | 552.29%-540.3pp |
| Employer contribution / active EE | $918 | $5,285-82.6% | $4,932-81.4% | $4,663-80.3% |
| Participant deferral / active EE | $3,650 | $8,419-56.6% | $8,065-54.7% | $6,689-45.4% |
| Admin fee / account holder | $12,635 | $15,035-16.0% | $12,993-2.8% | $13,390-5.6% |