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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 | $53,063+23.9% | $124,206-47.1% | $82,637-20.4% |
| Participation rate | 29.7% | 58.4%-28.7pp | 69.6%-39.9pp | 68.1%-38.4pp |
| Annual return | 13.89% | 68.87%-55.0pp | 515.27%-501.4pp | 53.51%-39.6pp |
| Employer contribution / active EE | $165 | $1,530-89.2% | $3,540-95.3% | $2,552-93.5% |
| Participant deferral / active EE | $2,042 | $2,644-22.8% | $3,968-48.5% | $4,126-50.5% |
| Admin fee / account holder | $14,128 | $4,281+230.0% | $5,929+138.3% | $7,339+92.5% |