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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 | $31,816 | $102,429-68.9% | $147,096-78.4% | $80,925-60.7% |
| Participation rate | 58.8% | 75.9%-17.0pp | 82.2%-23.4pp | 67.7%-8.8pp |
| Annual return | 21.71% | 135.02%-113.3pp | 419.75%-398.0pp | 35.65%-13.9pp |
| Employer contribution / active EE | $80 | $3,716-97.8% | $4,936-98.4% | $2,756-97.1% |
| Participant deferral / active EE | $4,513 | $6,649-32.1% | $8,071-44.1% | $4,299+5.0% |
| Admin fee / account holder | $8,010 | $7,957+0.7% | $13,005-38.4% | $6,940+15.4% |