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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 | $200,876 | $106,247+89.1% | $96,515+108.1% | $139,466+44.0% |
| Participation rate | 66.7% | 77.8%-11.2pp | 74.3%-7.7pp | 80.3%-13.7pp |
| Annual return | 16.64% | 38.47%-21.8pp | 35.73%-19.1pp | 373.66%-357.0pp |
| Employer contribution / active EE | $551 | $4,106-86.6% | $3,740-85.3% | $4,754-88.4% |
| Participant deferral / active EE | $4,037 | $5,456-26.0% | $4,880-17.3% | $6,712-39.8% |
| Admin fee / account holder | $4,312 | $7,885-45.3% | $6,735-36.0% | $11,409-62.2% |