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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 | $27,715 | $58,099-52.3% | $76,872-63.9% | $75,173-63.1% |
| Participation rate | 53.6% | 63.9%-10.3pp | 69.6%-16.0pp | 67.2%-13.6pp |
| Annual return | 906.07% | 26.71%+879.4pp | 37.90%+868.2pp | 160.72%+745.3pp |
| Employer contribution / active EE | $0 | $1,996-100.0% | $2,533-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $5,414 | $2,999+80.5% | $3,832+41.3% | $4,126+31.2% |
| Admin fee / account holder | $1,114 | $4,778-76.7% | $5,476-79.7% | $5,651-80.3% |