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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 | $136,309 | $148,582-8.3% | $135,942+0.3% | $139,456-2.3% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.2pp | 80.3%-13.7pp |
| Annual return | 14.93% | 79.26%-64.3pp | 68.28%-53.3pp | 373.45%-358.5pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,858-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $3,072 | $8,101-62.1% | $7,759-60.4% | $6,711-54.2% |
| Admin fee / account holder | $1,505 | $12,402-87.9% | $10,764-86.0% | $11,407-86.8% |