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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 | $105,983 | $76,519+38.5% | $56,025+89.2% | $145,897-27.4% |
| Participation rate | 38.9% | 63.2%-24.3pp | 52.5%-13.6pp | 80.3%-41.4pp |
| Annual return | 24.51% | 3017.03%-2992.5pp | 1712.69%-1688.2pp | 552.29%-527.8pp |
| Employer contribution / active EE | $0 | $1,383-100.0% | $1,042-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $3,755 | $2,624+43.1% | $1,955+92.1% | $6,689-43.9% |
| Admin fee / account holder | $56,487 | $3,331+1595.9% | $2,828+1897.2% | $13,390+321.8% |