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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 | $88,589 | $68,394+29.5% | $94,672-6.4% | $75,177+17.8% |
| Participation rate | 68.3% | 76.1%-7.8pp | 80.8%-12.6pp | 67.2%+1.0pp |
| Annual return | 22.26% | 616.92%-594.7pp | 156.89%-134.6pp | 160.75%-138.5pp |
| Employer contribution / active EE | $0 | $2,701-100.0% | $3,673-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $8,134 | $6,536+24.4% | $7,417+9.7% | $4,126+97.1% |
| Admin fee / account holder | $7,501 | $5,326+40.8% | $7,222+3.9% | $5,651+32.7% |