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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 | $48,479 | $100,805-51.9% | $86,698-44.1% | $134,532-64.0% |
| Participation rate | 66.7% | 79.0%-12.3pp | 76.6%-9.9pp | 81.2%-14.6pp |
| Annual return | 112.07% | 29.09%+83.0pp | 35.95%+76.1pp | 418.27%-306.2pp |
| Employer contribution / active EE | $0 | $3,490-100.0% | $2,837-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $9,282 | $5,339+73.9% | $4,656+99.4% | $6,401+45.0% |
| Admin fee / account holder | $564 | $10,925-94.8% | $7,493-92.5% | $11,429-95.1% |