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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 | $78,522 | $102,429-23.3% | $147,096-46.6% | $80,925-3.0% |
| Participation rate | 68.8% | 75.9%-7.0pp | 82.2%-13.4pp | 67.7%+1.2pp |
| Annual return | 12.74% | 135.02%-122.3pp | 419.75%-407.0pp | 35.65%-22.9pp |
| Employer contribution / active EE | $499 | $3,716-86.6% | $4,936-89.9% | $2,756-81.9% |
| Participant deferral / active EE | $4,791 | $6,649-27.9% | $8,071-40.6% | $4,299+11.4% |
| Admin fee / account holder | $1,749 | $7,957-78.0% | $13,005-86.6% | $6,940-74.8% |