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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 | $65,724 | $65,555+0.3% | $86,216-23.8% | $75,173-12.6% |
| Participation rate | 55.8% | 60.5%-4.7pp | 69.0%-13.2pp | 67.2%-11.4pp |
| Annual return | 13.12% | 46.07%-32.9pp | 1169.42%-1156.3pp | 160.72%-147.6pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,382-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $3,895 | $3,023+28.8% | $3,986-2.3% | $4,126-5.6% |
| Admin fee / account holder | $3,369 | $5,469-38.4% | $6,853-50.8% | $5,651-40.4% |