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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 | $137,421 | $139,948-1.8% | $121,663+13.0% | $154,746-11.2% |
| Participation rate | 27.8% | 78.0%-50.2pp | 74.5%-46.7pp | 80.7%-52.9pp |
| Annual return | 17.29% | 230.52%-213.2pp | 147.54%-130.3pp | 172.34%-155.1pp |
| Employer contribution / active EE | $640 | $3,521-81.8% | $3,020-78.8% | $4,379-85.4% |
| Participant deferral / active EE | $11,569 | $5,629+105.5% | $4,887+136.7% | $6,730+71.9% |
| Admin fee / account holder | $29,309 | $17,321+69.2% | $14,289+105.1% | $14,365+104.0% |