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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 | $70,386 | $114,093-38.3% | $96,171-26.8% | $167,536-58.0% |
| Participation rate | 66.7% | 75.1%-8.4pp | 68.4%-1.8pp | 82.1%-15.4pp |
| Annual return | 16.68% | 190.00%-173.3pp | 192.04%-175.4pp | 478.82%-462.1pp |
| Employer contribution / active EE | $0 | $3,429-100.0% | $2,799-100.0% | $4,839-100.0% |
| Participant deferral / active EE | $9,200 | $5,197+77.0% | $4,350+111.5% | $6,342+45.1% |
| Admin fee / account holder | $1,027 | $6,899-85.1% | $5,538-81.5% | $12,315-91.7% |