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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 | $130,280 | $102,422+27.2% | $147,117-11.4% | $80,959+60.9% |
| Participation rate | 69.6% | 75.9%-6.3pp | 82.2%-12.6pp | 67.7%+1.9pp |
| Annual return | 13.63% | 135.16%-121.5pp | 420.54%-406.9pp | 35.67%-22.0pp |
| Employer contribution / active EE | $667 | $3,717-82.1% | $4,932-86.5% | $2,757-75.8% |
| Participant deferral / active EE | $5,601 | $6,652-15.8% | $8,065-30.6% | $4,300+30.2% |
| Admin fee / account holder | $18,207 | $7,953+128.9% | $12,993+40.1% | $6,925+162.9% |