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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 | $68,589 | $59,467+15.3% | $93,727-26.8% | $74,478-7.9% |
| Participation rate | 38.4% | 59.6%-21.2pp | 68.7%-30.3pp | 67.2%-28.8pp |
| Annual return | 11.82% | 82.14%-70.3pp | 133.83%-122.0pp | 1370.56%-1358.7pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,421-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,213 | $3,052+5.3% | $4,417-27.3% | $4,350-26.1% |
| Admin fee / account holder | $7,164 | $3,028+136.6% | $8,292-13.6% | $1,946+268.2% |