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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 | $154,276 | $171,492-10.0% | $150,734+2.3% | $198,609-22.3% |
| Participation rate | 50.0% | 81.4%-31.4pp | 78.4%-28.4pp | 82.4%-32.4pp |
| Annual return | 18.37% | 804.70%-786.3pp | 600.81%-582.4pp | 202.70%-184.3pp |
| Employer contribution / active EE | $1,251 | $5,470-77.1% | $4,918-74.6% | $5,055-75.3% |
| Participant deferral / active EE | $10,556 | $6,259+68.7% | $5,610+88.2% | $6,977+51.3% |
| Admin fee / account holder | $318 | $17,628-98.2% | $14,905-97.9% | $19,030-98.3% |