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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 | $25,558 | $106,008-75.9% | $92,240-72.3% | $147,586-82.7% |
| Participation rate | 30.0% | 80.4%-50.4pp | 76.5%-46.5pp | 82.8%-52.8pp |
| Annual return | 70.69% | 50.05%+20.6pp | 176.29%-105.6pp | 578.59%-507.9pp |
| Employer contribution / active EE | $660 | $4,333-84.8% | $3,680-82.1% | $4,876-86.5% |
| Participant deferral / active EE | $6,854 | $4,478+53.1% | $3,897+75.9% | $5,439+26.0% |
| Admin fee / account holder | $10,575 | $6,333+67.0% | $5,194+103.6% | $10,886-2.9% |