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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 | $100,206 | $56,063+78.7% | $76,051+31.8% | $80,911+23.8% |
| Participation rate | 60.0% | 62.0%-2.0pp | 69.1%-9.1pp | 67.6%-7.6pp |
| Annual return | 12.74% | 20.54%-7.8pp | 360.42%-347.7pp | 35.63%-22.9pp |
| Employer contribution / active EE | $356 | $1,874-81.0% | $2,690-86.8% | $2,756-87.1% |
| Participant deferral / active EE | $2,665 | $3,052-12.7% | $4,257-37.4% | $4,297-38.0% |
| Admin fee / account holder | $21,935 | $5,240+318.6% | $6,416+241.9% | $6,935+216.3% |