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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 | $58,505 | $106,918-45.3% | $84,021-30.4% | $152,897-61.7% |
| Participation rate | 66.7% | 75.2%-8.6pp | 69.0%-2.4pp | 82.5%-15.8pp |
| Annual return | 22.45% | 105.01%-82.6pp | 71.32%-48.9pp | 345.43%-323.0pp |
| Employer contribution / active EE | $0 | $2,735-100.0% | $1,984-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $6,227 | $4,012+55.2% | $3,239+92.2% | $5,851+6.4% |
| Admin fee / account holder | $11,178 | $8,288+34.9% | $6,102+83.2% | $11,599-3.6% |