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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 | $102,382+27.2% | $147,005-11.4% | $80,874+61.1% |
| Participation rate | 69.6% | 75.8%-6.3pp | 82.2%-12.6pp | 67.6%+1.9pp |
| Annual return | 13.63% | 134.89%-121.3pp | 418.76%-405.1pp | 35.62%-22.0pp |
| Employer contribution / active EE | $667 | $3,715-82.0% | $4,934-86.5% | $2,756-75.8% |
| Participant deferral / active EE | $5,601 | $6,646-15.7% | $8,070-30.6% | $4,297+30.3% |
| Admin fee / account holder | $18,207 | $7,942+129.2% | $13,006+40.0% | $6,935+162.5% |