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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 | $78,104 | $49,897+56.5% | $80,648-3.2% | $75,177+3.9% |
| Participation rate | 35.9% | 55.3%-19.5pp | 67.0%-31.1pp | 67.2%-31.3pp |
| Annual return | 23.15% | 34.68%-11.5pp | 937.21%-914.1pp | 160.75%-137.6pp |
| Employer contribution / active EE | $30 | $1,699-98.2% | $2,724-98.9% | $2,671-98.9% |
| Participant deferral / active EE | $3,101 | $2,992+3.6% | $4,443-30.2% | $4,126-24.8% |
| Admin fee / account holder | $15,356 | $3,579+329.1% | $5,382+185.3% | $5,651+171.7% |