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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 | $217,563 | $132,634+64.0% | $115,768+87.9% | $137,256+58.5% |
| Participation rate | 66.7% | 77.9%-11.2pp | 74.4%-7.7pp | 80.0%-13.3pp |
| Annual return | 12.31% | 160.70%-148.4pp | 100.46%-88.2pp | 220.34%-208.0pp |
| Employer contribution / active EE | $0 | $3,360-100.0% | $2,940-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $7,273 | $5,619+29.5% | $4,917+47.9% | $6,407+13.5% |
| Admin fee / account holder | $50,928 | $15,028+238.9% | $12,439+309.4% | $12,270+315.1% |