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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 | $201,196 | $884,045-77.2% | $453,569-55.6% | $167,536+20.1% |
| Participation rate | 62.5% | 81.6%-19.1pp | 78.0%-15.5pp | 82.1%-19.6pp |
| Annual return | 13.24% | 29.49%-16.2pp | 64.43%-51.2pp | 478.82%-465.6pp |
| Employer contribution / active EE | $0 | $5,538-100.0% | $4,072-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $7,939 | $7,898+0.5% | $6,211+27.8% | $6,342+25.2% |
| Admin fee / account holder | $27,563 | $22,063+24.9% | $11,214+145.8% | $12,315+123.8% |