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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 | $51,866 | $43,496+19.2% | $161,489-67.9% | $64,340-19.4% |
| Participation rate | 8.8% | 53.5%-44.8pp | 78.7%-69.9pp | 55.2%-46.5pp |
| Annual return | 15.33% | 20.76%-5.4pp | 89.72%-74.4pp | 24.14%-8.8pp |
| Employer contribution / active EE | $191 | $1,431-86.6% | $4,268-95.5% | $1,862-89.7% |
| Participant deferral / active EE | $743 | $1,996-62.8% | $5,630-86.8% | $2,980-75.1% |
| Admin fee / account holder | $4,151 | $2,330+78.1% | $16,006-74.1% | $3,703+12.1% |