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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 | $178,174+19.8% | $156,181+36.7% | $137,256+55.5% |
| Participation rate | 65.2% | 82.0%-16.8pp | 78.8%-13.6pp | 80.0%-14.7pp |
| Annual return | 12.06% | 84.19%-72.1pp | 64.87%-52.8pp | 220.34%-208.3pp |
| Employer contribution / active EE | $1,000 | $4,972-79.9% | $4,294-76.7% | $4,156-75.9% |
| Participant deferral / active EE | $7,468 | $6,888+8.4% | $6,132+21.8% | $6,407+16.6% |
| Admin fee / account holder | $67,424 | $17,404+287.4% | $14,586+362.2% | $12,270+449.5% |