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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 | $200,234 | $199,109+0.6% | $173,730+15.3% | $154,746+29.4% |
| Participation rate | 59.1% | 82.8%-23.7pp | 79.6%-20.5pp | 80.7%-21.6pp |
| Annual return | 15.32% | 20.02%-4.7pp | 19.96%-4.6pp | 172.34%-157.0pp |
| Employer contribution / active EE | $0 | $5,311-100.0% | $4,577-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $13,240 | $7,113+86.2% | $6,326+109.3% | $6,730+96.7% |
| Admin fee / account holder | $31,753 | $20,916+51.8% | $17,523+81.2% | $14,365+121.0% |