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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 | $85,397 | $102,422-16.6% | $147,117-42.0% | $80,959+5.5% |
| Participation rate | 26.5% | 75.9%-49.3pp | 82.2%-55.7pp | 67.7%-41.1pp |
| Annual return | 33.34% | 135.16%-101.8pp | 420.54%-387.2pp | 35.67%-2.3pp |
| Employer contribution / active EE | $265 | $3,717-92.9% | $4,932-94.6% | $2,757-90.4% |
| Participant deferral / active EE | $6,907 | $6,652+3.8% | $8,065-14.4% | $4,300+60.6% |
| Admin fee / account holder | $9,279 | $7,953+16.7% | $12,993-28.6% | $6,925+34.0% |