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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 | $93,591 | $93,5890% | $135,942-31.2% | $75,181+24.5% |
| Participation rate | 36.0% | 75.2%-39.2pp | 81.9%-45.9pp | 67.2%-31.2pp |
| Annual return | 16.66% | 30.90%-14.2pp | 68.28%-51.6pp | 160.69%-144.0pp |
| Employer contribution / active EE | $0 | $3,537-100.0% | $4,858-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,779 | $6,405-56.6% | $7,759-64.2% | $4,126-32.6% |
| Admin fee / account holder | $640 | $6,977-90.8% | $10,764-94.1% | $5,650-88.7% |