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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 | $83,867 | $69,511+20.7% | $94,672-11.4% | $71,529+17.2% |
| Participation rate | 59.4% | 78.4%-19.0pp | 80.8%-21.4pp | 67.9%-8.5pp |
| Annual return | 280.42% | 29.67%+250.8pp | 156.89%+123.5pp | 28.97%+251.5pp |
| Employer contribution / active EE | $0 | $2,853-100.0% | $3,673-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $5,630 | $7,348-23.4% | $7,417-24.1% | $4,291+31.2% |
| Admin fee / account holder | $3,056 | $1,211+152.4% | $7,222-57.7% | $1,588+92.4% |