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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 | $83,138 | $101,063-17.7% | $81,473+2.0% | $147,586-43.7% |
| Participation rate | 63.6% | 74.5%-10.8pp | 68.0%-4.3pp | 82.8%-19.2pp |
| Annual return | 15.89% | 32.41%-16.5pp | 38.78%-22.9pp | 578.59%-562.7pp |
| Employer contribution / active EE | $0 | $3,206-100.0% | $2,568-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $3,103 | $4,242-26.9% | $3,537-12.3% | $5,439-42.9% |
| Admin fee / account holder | $1,488 | $5,812-74.4% | $4,561-67.4% | $10,886-86.3% |