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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 | $178,019 | $100,147+77.8% | $81,286+119.0% | $145,877+22.0% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.5%-19.5pp | 80.3%-30.3pp |
| Annual return | 22.42% | 34.44%-12.0pp | 24.80%-2.4pp | 551.28%-528.9pp |
| Employer contribution / active EE | $267 | $2,977-91.0% | $2,463-89.1% | $4,663-94.3% |
| Participant deferral / active EE | $7,086 | $4,607+53.8% | $3,883+82.5% | $6,691+5.9% |
| Admin fee / account holder | $1,040 | $8,201-87.3% | $5,764-81.9% | $13,402-92.2% |