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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 | $62,735 | $88,186-28.9% | $165,071-62.0% | $74,459-15.7% |
| Participation rate | 56.3% | 73.1%-16.8pp | 78.6%-22.3pp | 67.2%-10.9pp |
| Annual return | 24.32% | 17.13%+7.2pp | 70.17%-45.9pp | 1369.70%-1345.4pp |
| Employer contribution / active EE | $355 | $2,600-86.4% | $4,347-91.8% | $2,626-86.5% |
| Participant deferral / active EE | $2,393 | $4,505-46.9% | $6,035-60.4% | $4,350-45.0% |
| Admin fee / account holder | $5,616 | $2,234+151.4% | $12,695-55.8% | $1,945+188.8% |