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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 | $141,410 | $95,601+47.9% | $77,183+83.2% | $139,456+1.4% |
| Participation rate | 50.0% | 74.0%-24.0pp | 69.6%-19.6pp | 80.3%-30.3pp |
| Annual return | 29.52% | 54.96%-25.4pp | 37.89%-8.4pp | 373.45%-343.9pp |
| Employer contribution / active EE | $302 | $3,145-90.4% | $2,534-88.1% | $4,753-93.7% |
| Participant deferral / active EE | $7,828 | $4,623+69.3% | $3,833+104.2% | $6,711+16.6% |
| Admin fee / account holder | $794 | $8,302-90.4% | $5,475-85.5% | $11,407-93.0% |