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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 | $39,731 | $112,131-64.6% | $95,964-58.6% | $158,982-75.0% |
| Participation rate | 68.8% | 79.0%-10.2pp | 77.1%-8.3pp | 82.0%-13.2pp |
| Annual return | 10.59% | 171.19%-160.6pp | 91.64%-81.1pp | 302.99%-292.4pp |
| Employer contribution / active EE | $403 | $3,199-87.4% | $2,541-84.2% | $4,763-91.5% |
| Participant deferral / active EE | $2,805 | $4,784-41.4% | $4,167-32.7% | $5,983-53.1% |
| Admin fee / account holder | $14,247 | $10,136+40.6% | $6,797+109.6% | $11,252+26.6% |