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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 | $96,705 | $75,962+27.3% | $154,108-37.2% | $64,173+50.7% |
| Participation rate | 53.5% | 70.4%-16.9pp | 83.0%-29.5pp | 69.6%-16.0pp |
| Annual return | -7.13% | 30.32%-37.5pp | 735.21%-742.3pp | 7.63%-14.8pp |
| Employer contribution / active EE | $325 | $3,350-90.3% | $5,298-93.9% | $2,381-86.4% |
| Participant deferral / active EE | $2,834 | $3,175-10.7% | $5,081-44.2% | $3,470-18.3% |
| Admin fee / account holder | $1,382 | $5,589-75.3% | $13,411-89.7% | $4,887-71.7% |