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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 | $90,832 | $81,208+11.9% | $98,920-8.2% | $79,856+13.7% |
| Participation rate | 60.5% | 72.5%-12.0pp | 76.0%-15.6pp | 69.6%-9.2pp |
| Annual return | 13.67% | 60.99%-47.3pp | 196.47%-182.8pp | 31.71%-18.0pp |
| Employer contribution / active EE | $298 | $1,960-84.8% | $2,689-88.9% | $2,471-88.0% |
| Participant deferral / active EE | $1,874 | $3,265-42.6% | $4,245-55.9% | $3,741-49.9% |
| Admin fee / account holder | $8,308 | $6,013+38.2% | $6,643+25.1% | $5,306+56.6% |