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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 | $65,758 | $56,116+17.2% | $135,768-51.6% | $86,983-24.4% |
| Participation rate | 29.7% | 60.1%-30.5pp | 71.1%-41.4pp | 69.5%-39.9pp |
| Annual return | 13.89% | 125.33%-111.4pp | 526.10%-512.2pp | 25.83%-11.9pp |
| Employer contribution / active EE | $165 | $1,528-89.2% | $3,394-95.1% | $2,584-93.6% |
| Participant deferral / active EE | $2,042 | $2,690-24.1% | $3,977-48.7% | $4,194-51.3% |
| Admin fee / account holder | $14,128 | $4,314+227.5% | $7,048+100.4% | $7,856+79.8% |