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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 | $192,576 | $176,120+9.3% | $159,487+20.7% | $167,553+14.9% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 18.05% | 331.95%-313.9pp | 263.71%-245.7pp | 478.89%-460.8pp |
| Employer contribution / active EE | $441 | $5,299-91.7% | $4,831-90.9% | $4,840-90.9% |
| Participant deferral / active EE | $3,503 | $7,752-54.8% | $7,354-52.4% | $6,343-44.8% |
| Admin fee / account holder | $11,358 | $12,561-9.6% | $10,804+5.1% | $12,316-7.8% |