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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 | $75,334 | $75,962-0.8% | $154,108-51.1% | $64,173+17.4% |
| Participation rate | 58.6% | 70.4%-11.8pp | 83.0%-24.4pp | 69.6%-10.9pp |
| Annual return | -3.41% | 30.32%-33.7pp | 735.21%-738.6pp | 7.63%-11.0pp |
| Employer contribution / active EE | $141 | $3,350-95.8% | $5,298-97.3% | $2,381-94.1% |
| Participant deferral / active EE | $3,757 | $3,175+18.3% | $5,081-26.1% | $3,470+8.3% |
| Admin fee / account holder | $4,282 | $5,589-23.4% | $13,411-68.1% | $4,887-12.4% |