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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 | $102,429+27.2% | $147,096-11.4% | $80,925+61.0% |
| Participation rate | 69.6% | 75.9%-6.3pp | 82.2%-12.6pp | 67.7%+1.9pp |
| Annual return | 13.63% | 135.02%-121.4pp | 419.75%-406.1pp | 35.65%-22.0pp |
| Employer contribution / active EE | $667 | $3,716-82.0% | $4,936-86.5% | $2,756-75.8% |
| Participant deferral / active EE | $5,601 | $6,649-15.8% | $8,071-30.6% | $4,299+30.3% |
| Admin fee / account holder | $18,207 | $7,957+128.8% | $13,005+40.0% | $6,940+162.3% |