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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 | $83,387 | $90,691-8.1% | $76,119+9.5% | $145,884-42.8% |
| Participation rate | 66.7% | 74.5%-7.8pp | 69.1%-2.4pp | 80.3%-13.6pp |
| Annual return | 10.70% | 624.52%-613.8pp | 361.25%-350.5pp | 551.85%-541.2pp |
| Employer contribution / active EE | $0 | $3,329-100.0% | $2,693-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $18,833 | $5,167+264.5% | $4,259+342.2% | $6,690+181.5% |
| Admin fee / account holder | $652 | $8,383-92.2% | $6,421-89.9% | $13,392-95.1% |