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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 | $166,478 | $107,368+55.1% | $92,915+79.2% | $152,909+8.9% |
| Participation rate | 64.3% | 79.8%-15.5pp | 76.0%-11.7pp | 82.5%-18.2pp |
| Annual return | 15.05% | 145.64%-130.6pp | 109.45%-94.4pp | 345.46%-330.4pp |
| Employer contribution / active EE | $663 | $4,222-84.3% | $3,653-81.9% | $4,764-86.1% |
| Participant deferral / active EE | $7,218 | $4,848+48.9% | $4,238+70.3% | $5,851+23.3% |
| Admin fee / account holder | $50,049 | $7,082+606.7% | $5,796+763.6% | $11,601+331.4% |