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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 | $98,926 | $78,423+26.1% | $95,964+3.1% | $79,856+23.9% |
| Participation rate | 51.1% | 73.5%-22.4pp | 77.1%-26.0pp | 69.6%-18.5pp |
| Annual return | 15.46% | 19.37%-3.9pp | 91.64%-76.2pp | 31.71%-16.3pp |
| Employer contribution / active EE | $260 | $1,945-86.6% | $2,541-89.8% | $2,471-89.5% |
| Participant deferral / active EE | $1,627 | $3,440-52.7% | $4,167-60.9% | $3,741-56.5% |
| Admin fee / account holder | $4,809 | $5,622-14.5% | $6,797-29.2% | $5,306-9.4% |