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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 | $123,334 | $183,627-32.8% | $155,602-20.7% | $145,978-15.5% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 90.82% | 61.32%+29.5pp | 64.81%+26.0pp | 550.52%-459.7pp |
| Employer contribution / active EE | $1,009 | $5,316-81.0% | $4,675-78.4% | $4,662-78.4% |
| Participant deferral / active EE | $3,607 | $6,466-44.2% | $5,629-35.9% | $6,690-46.1% |
| Admin fee / account holder | $621 | $19,327-96.8% | $15,923-96.1% | $13,400-95.4% |