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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 | $133,117 | $60,261+120.9% | $81,783+62.8% | $74,546+78.6% |
| Participation rate | 28.3% | 62.9%-34.6pp | 72.4%-44.1pp | 67.2%-38.9pp |
| Annual return | 20.00% | 16.88%+3.1pp | 775.05%-755.1pp | 1366.03%-1346.0pp |
| Employer contribution / active EE | $309 | $2,622-88.2% | $2,913-89.4% | $2,624-88.2% |
| Participant deferral / active EE | $2,286 | $3,388-32.5% | $4,320-47.1% | $4,347-47.4% |
| Admin fee / account holder | $9,866 | $1,482+565.5% | $7,380+33.7% | $1,944+407.6% |