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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 | $78,064 | $85,171-8.3% | $172,752-54.8% | $72,975+7.0% |
| Participation rate | 54.1% | 70.1%-16.0pp | 82.6%-28.5pp | 69.5%-15.4pp |
| Annual return | 22.82% | 27.32%-4.5pp | 802.97%-780.1pp | 81.01%-58.2pp |
| Employer contribution / active EE | $116 | $3,324-96.5% | $5,144-97.7% | $2,440-95.2% |
| Participant deferral / active EE | $3,038 | $3,260-6.8% | $5,198-41.6% | $3,608-15.8% |
| Admin fee / account holder | $16,919 | $5,880+187.7% | $13,955+21.2% | $5,124+230.2% |