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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 | $91,920 | $47,479+93.6% | $62,929+46.1% | $82,448+11.5% |
| Participation rate | 23.3% | 66.9%-43.6pp | 73.1%-49.9pp | 68.1%-44.8pp |
| Annual return | 15.86% | 20.34%-4.5pp | 1063.93%-1048.1pp | 41.64%-25.8pp |
| Employer contribution / active EE | $0 | $1,885-100.0% | $2,505-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $1,466 | $2,870-48.9% | $3,888-62.3% | $4,139-64.6% |
| Admin fee / account holder | $16,831 | $3,804+342.5% | $5,065+232.3% | $7,234+132.7% |