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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 | $79,346 | $76,368+3.9% | $67,681+17.2% | $154,746-48.7% |
| Participation rate | 66.7% | 79.0%-12.3pp | 73.7%-7.1pp | 80.7%-14.0pp |
| Annual return | 12.14% | 1066.77%-1054.6pp | 590.58%-578.4pp | 172.34%-160.2pp |
| Employer contribution / active EE | $190 | $3,151-94.0% | $2,678-92.9% | $4,379-95.7% |
| Participant deferral / active EE | $1,300 | $4,824-73.1% | $3,976-67.3% | $6,730-80.7% |
| Admin fee / account holder | $27,209 | $8,559+217.9% | $6,100+346.1% | $14,365+89.4% |