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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 | $99,377 | $79,189+25.5% | $102,457-3.0% | $74,400+33.6% |
| Participation rate | 67.6% | 74.8%-7.2pp | 76.5%-8.9pp | 67.2%+0.4pp |
| Annual return | 15.63% | 54.98%-39.3pp | 29.41%-13.8pp | 1367.51%-1351.9pp |
| Employer contribution / active EE | $701 | $2,362-70.3% | $3,022-76.8% | $2,624-73.3% |
| Participant deferral / active EE | $4,585 | $4,415+3.9% | $5,054-9.3% | $4,348+5.5% |
| Admin fee / account holder | $3,045 | $2,002+52.1% | $9,451-67.8% | $1,944+56.7% |