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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 | $78,794 | $65,575+20.2% | $86,209-8.6% | $75,181+4.8% |
| Participation rate | 28.0% | 60.5%-32.5pp | 69.0%-41.0pp | 67.2%-39.2pp |
| Annual return | 14.00% | 46.07%-32.1pp | 1169.05%-1155.0pp | 160.69%-146.7pp |
| Employer contribution / active EE | $209 | $1,553-86.6% | $2,381-91.2% | $2,671-92.2% |
| Participant deferral / active EE | $2,089 | $3,023-30.9% | $3,986-47.6% | $4,126-49.4% |
| Admin fee / account holder | $7,961 | $5,470+45.5% | $6,853+16.2% | $5,650+40.9% |