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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 | $56,480 | $49,896+13.2% | $80,627-29.9% | $75,173-24.9% |
| Participation rate | 22.9% | 55.3%-32.4pp | 67.0%-44.1pp | 67.2%-44.3pp |
| Annual return | 16.42% | 34.67%-18.3pp | 936.76%-920.3pp | 160.72%-144.3pp |
| Employer contribution / active EE | $231 | $1,699-86.4% | $2,723-91.5% | $2,671-91.3% |
| Participant deferral / active EE | $1,066 | $2,992-64.4% | $4,443-76.0% | $4,126-74.2% |
| Admin fee / account holder | $1,282 | $3,578-64.2% | $5,381-76.2% | $5,651-77.3% |