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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 | $64,022 | $63,346+1.1% | $92,240-30.6% | $70,126-8.7% |
| Participation rate | 39.3% | 68.7%-29.4pp | 76.5%-37.2pp | 69.5%-30.3pp |
| Annual return | 13.28% | 530.19%-516.9pp | 176.29%-163.0pp | 73.15%-59.9pp |
| Employer contribution / active EE | $476 | $2,471-80.7% | $3,680-87.1% | $2,343-79.7% |
| Participant deferral / active EE | $2,797 | $2,854-2.0% | $3,897-28.2% | $3,332-16.1% |
| Admin fee / account holder | $6,074 | $3,841+58.1% | $5,194+16.9% | $4,645+30.7% |