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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 | $68,097+16.5% | $62,929+26.1% | $137,256-42.2% |
| Participation rate | 66.7% | 77.4%-10.8pp | 73.1%-6.4pp | 80.0%-13.3pp |
| Annual return | 12.14% | 1859.11%-1847.0pp | 1063.93%-1051.8pp | 220.34%-208.2pp |
| Employer contribution / active EE | $190 | $2,811-93.2% | $2,505-92.4% | $4,156-95.4% |
| Participant deferral / active EE | $1,300 | $4,553-71.4% | $3,888-66.6% | $6,407-79.7% |
| Admin fee / account holder | $27,209 | $6,521+317.2% | $5,065+437.2% | $12,270+121.8% |