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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 | $94,100 | $79,181+18.8% | $102,423-8.1% | $74,429+26.4% |
| Participation rate | 50.0% | 74.8%-24.8pp | 76.5%-26.5pp | 67.2%-17.2pp |
| Annual return | 16.64% | 54.97%-38.3pp | 29.42%-12.8pp | 1368.38%-1351.7pp |
| Employer contribution / active EE | $595 | $2,362-74.8% | $3,023-80.3% | $2,625-77.3% |
| Participant deferral / active EE | $5,238 | $4,416+18.6% | $5,054+3.6% | $4,348+20.5% |
| Admin fee / account holder | $4,408 | $2,002+120.2% | $9,455-53.4% | $1,944+126.7% |