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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 | $60,305+120.7% | $81,780+62.8% | $74,400+78.9% |
| Participation rate | 28.3% | 62.9%-34.6pp | 72.4%-44.1pp | 67.2%-39.0pp |
| Annual return | 20.00% | 16.89%+3.1pp | 776.27%-756.3pp | 1367.51%-1347.5pp |
| Employer contribution / active EE | $309 | $2,623-88.2% | $2,914-89.4% | $2,624-88.2% |
| Participant deferral / active EE | $2,286 | $3,390-32.6% | $4,321-47.1% | $4,348-47.4% |
| Admin fee / account holder | $9,866 | $1,484+564.8% | $7,384+33.6% | $1,944+407.6% |