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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 | $144,767 | $104,479+38.6% | $159,474-9.2% | $79,391+82.3% |
| Participation rate | 63.8% | 76.6%-12.8pp | 82.8%-19.0pp | 70.7%-6.9pp |
| Annual return | 16.04% | 67.98%-51.9pp | 263.68%-247.6pp | 116.88%-100.8pp |
| Employer contribution / active EE | $0 | $3,417-100.0% | $4,831-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $9,798 | $6,468+51.5% | $7,353+33.3% | $4,046+142.2% |
| Admin fee / account holder | $2,197 | $711+208.8% | $10,802-79.7% | $627+250.6% |