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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 | $88,680 | $102,429-13.4% | $147,096-39.7% | $80,925+9.6% |
| Participation rate | 64.0% | 75.9%-11.9pp | 82.2%-18.2pp | 67.7%-3.7pp |
| Annual return | 12.50% | 135.02%-122.5pp | 419.75%-407.2pp | 35.65%-23.1pp |
| Employer contribution / active EE | $847 | $3,716-77.2% | $4,936-82.8% | $2,756-69.3% |
| Participant deferral / active EE | $6,767 | $6,649+1.8% | $8,071-16.2% | $4,299+57.4% |
| Admin fee / account holder | $4,924 | $7,957-38.1% | $13,005-62.1% | $6,940-29.0% |