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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 | $97,020 | $106,008-8.5% | $92,240+5.2% | $147,586-34.3% |
| Participation rate | 55.6% | 80.4%-24.9pp | 76.5%-20.9pp | 82.8%-27.3pp |
| Annual return | 13.09% | 50.05%-37.0pp | 176.29%-163.2pp | 578.59%-565.5pp |
| Employer contribution / active EE | $156 | $4,333-96.4% | $3,680-95.8% | $4,876-96.8% |
| Participant deferral / active EE | $2,343 | $4,478-47.7% | $3,897-39.9% | $5,439-56.9% |
| Admin fee / account holder | $1,211 | $6,333-80.9% | $5,194-76.7% | $10,886-88.9% |