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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 | $213,460 | $199,109+7.2% | $173,730+22.9% | $154,746+37.9% |
| Participation rate | 65.2% | 82.8%-17.6pp | 79.6%-14.4pp | 80.7%-15.5pp |
| Annual return | 12.06% | 20.02%-8.0pp | 19.96%-7.9pp | 172.34%-160.3pp |
| Employer contribution / active EE | $1,000 | $5,311-81.2% | $4,577-78.2% | $4,379-77.2% |
| Participant deferral / active EE | $7,468 | $7,113+5.0% | $6,326+18.0% | $6,730+11.0% |
| Admin fee / account holder | $67,424 | $20,916+222.4% | $17,523+284.8% | $14,365+369.4% |