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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 | $60,037 | $65,566-8.4% | $86,235-30.4% | $75,177-20.1% |
| Participation rate | 64.5% | 60.5%+4.0pp | 69.0%-4.5pp | 67.2%-2.7pp |
| Annual return | 13.15% | 46.07%-32.9pp | 1170.03%-1156.9pp | 160.75%-147.6pp |
| Employer contribution / active EE | $323 | $1,553-79.2% | $2,381-86.5% | $2,671-87.9% |
| Participant deferral / active EE | $3,546 | $3,023+17.3% | $3,987-11.1% | $4,126-14.1% |
| Admin fee / account holder | $4,649 | $5,470-15.0% | $6,856-32.2% | $5,651-17.7% |