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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 | $103,198 | $90,691+13.8% | $76,119+35.6% | $145,884-29.3% |
| Participation rate | 61.1% | 74.5%-13.4pp | 69.1%-8.0pp | 80.3%-19.2pp |
| Annual return | 10.66% | 624.52%-613.9pp | 361.25%-350.6pp | 551.85%-541.2pp |
| Employer contribution / active EE | $0 | $3,329-100.0% | $2,693-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $1,880 | $5,167-63.6% | $4,259-55.9% | $6,690-71.9% |
| Admin fee / account holder | $2,674 | $8,383-68.1% | $6,421-58.4% | $13,392-80.0% |