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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 | $126,622 | $105,200+20.4% | $159,474-20.6% | $85,847+47.5% |
| Participation rate | 65.0% | 75.8%-10.8pp | 82.8%-17.8pp | 69.3%-4.3pp |
| Annual return | 14.25% | 45.08%-30.8pp | 263.68%-249.4pp | 318.61%-304.4pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $4,831-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,008 | $5,946-49.4% | $7,353-59.1% | $3,952-23.9% |
| Admin fee / account holder | $2,483 | $6,934-64.2% | $10,802-77.0% | $6,261-60.3% |