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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 | $61,516 | $58,726+4.8% | $142,898-57.0% | $85,847-28.3% |
| Participation rate | 13.8% | 58.5%-44.6pp | 72.0%-58.1pp | 69.3%-55.5pp |
| Annual return | 12.76% | 27.73%-15.0pp | 5639.64%-5626.9pp | 318.61%-305.8pp |
| Employer contribution / active EE | $0 | $1,424-100.0% | $4,146-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $1,414 | $2,609-45.8% | $3,838-63.2% | $3,952-64.2% |
| Admin fee / account holder | $36,870 | $4,234+770.8% | $6,560+462.0% | $6,261+488.9% |