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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 | $210,853 | $88,672+137.8% | $105,223+100.4% | $82,448+155.7% |
| Participation rate | 52.6% | 67.9%-15.4pp | 75.0%-22.5pp | 68.1%-15.5pp |
| Annual return | 99.38% | 30.86%+68.5pp | 180.65%-81.3pp | 41.64%+57.7pp |
| Employer contribution / active EE | $80 | $3,048-97.4% | $3,689-97.8% | $2,551-96.9% |
| Participant deferral / active EE | $4,157 | $4,036+3.0% | $5,072-18.0% | $4,139+0.4% |
| Admin fee / account holder | $29,764 | $7,146+316.5% | $8,859+236.0% | $7,234+311.4% |