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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 | $174,977 | $165,399+5.8% | $149,745+16.8% | $158,982+10.1% |
| Participation rate | 62.5% | 84.6%-22.1pp | 82.5%-20.0pp | 82.0%-19.5pp |
| Annual return | 12.87% | 348.34%-335.5pp | 276.72%-263.9pp | 302.99%-290.1pp |
| Employer contribution / active EE | $0 | $5,105-100.0% | $4,646-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $3,600 | $7,183-49.9% | $6,843-47.4% | $5,983-39.8% |
| Admin fee / account holder | $1,001 | $10,811-90.7% | $9,312-89.3% | $11,252-91.1% |