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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 | $99,856 | $75,962+31.5% | $154,108-35.2% | $64,173+55.6% |
| Participation rate | 44.2% | 70.4%-26.2pp | 83.0%-38.8pp | 69.6%-25.3pp |
| Annual return | 9.59% | 30.32%-20.7pp | 735.21%-725.6pp | 7.63%+2.0pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,684 | $3,175+47.5% | $5,081-7.8% | $3,470+35.0% |
| Admin fee / account holder | $21,717 | $5,589+288.6% | $13,411+61.9% | $4,887+344.3% |