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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 | $47,144 | $65,555-28.1% | $86,216-45.3% | $75,173-37.3% |
| Participation rate | 66.1% | 60.5%+5.6pp | 69.0%-2.8pp | 67.2%-1.1pp |
| Annual return | 15.64% | 46.07%-30.4pp | 1169.42%-1153.8pp | 160.72%-145.1pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,382-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,970 | $3,023-34.8% | $3,986-50.6% | $4,126-52.3% |
| Admin fee / account holder | $1,802 | $5,469-67.1% | $6,853-73.7% | $5,651-68.1% |