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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 | $216,824 | $165,381+31.1% | $149,730+44.8% | $158,966+36.4% |
| Participation rate | 28.6% | 84.6%-56.0pp | 82.5%-53.9pp | 82.0%-53.4pp |
| Annual return | 12.10% | 348.29%-336.2pp | 276.70%-264.6pp | 302.95%-290.8pp |
| Employer contribution / active EE | $894 | $5,104-82.5% | $4,645-80.7% | $4,762-81.2% |
| Participant deferral / active EE | $5,363 | $7,182-25.3% | $6,843-21.6% | $5,983-10.4% |
| Admin fee / account holder | $2,208 | $10,809-79.6% | $9,310-76.3% | $11,250-80.4% |