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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 | $96,162 | $53,063+81.2% | $124,206-22.6% | $82,637+16.4% |
| Participation rate | 11.1% | 58.4%-47.3pp | 69.6%-58.5pp | 68.1%-56.9pp |
| Annual return | 14.86% | 68.87%-54.0pp | 515.27%-500.4pp | 53.51%-38.6pp |
| Employer contribution / active EE | $0 | $1,530-100.0% | $3,540-100.0% | $2,552-100.0% |
| Participant deferral / active EE | $1,011 | $2,644-61.7% | $3,968-74.5% | $4,126-75.5% |
| Admin fee / account holder | $4,211 | $4,281-1.6% | $5,929-29.0% | $7,339-42.6% |