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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 | $38,513 | $34,316+12.2% | $74,719-48.5% | $72,983-47.2% |
| Participation rate | 30.8% | 42.4%-11.6pp | 54.5%-23.7pp | 69.5%-38.7pp |
| Annual return | 18.84% | 26.58%-7.7pp | 753.05%-734.2pp | 81.01%-62.2pp |
| Employer contribution / active EE | $80 | $692-88.4% | $1,084-92.6% | $2,440-96.7% |
| Participant deferral / active EE | $1,128 | $1,272-11.3% | $1,963-42.6% | $3,608-68.7% |
| Admin fee / account holder | $57,606 | $2,125+2611.1% | $3,334+1627.6% | $5,124+1024.2% |