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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 | $169,730 | $133,998+26.7% | $112,263+51.2% | $134,545+26.2% |
| Participation rate | 25.0% | 78.6%-53.6pp | 75.1%-50.1pp | 81.2%-56.2pp |
| Annual return | -16.17% | 47.17%-63.3pp | 27.49%-43.7pp | 418.37%-434.5pp |
| Employer contribution / active EE | $760 | $4,040-81.2% | $3,636-79.1% | $4,742-84.0% |
| Participant deferral / active EE | $3,370 | $5,292-36.3% | $4,729-28.7% | $6,401-47.3% |
| Admin fee / account holder | $2,981 | $7,493-60.2% | $6,410-53.5% | $11,431-73.9% |