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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 | $98,752 | $29,716+232.3% | $56,077+76.1% | $80,925+22.0% |
| Participation rate | 3.6% | 41.7%-38.1pp | 52.5%-48.9pp | 67.7%-64.1pp |
| Annual return | 28.60% | 35.30%-6.7pp | 1709.28%-1680.7pp | 35.65%-7.0pp |
| Employer contribution / active EE | $88 | $671-87.0% | $1,040-91.6% | $2,756-96.8% |
| Participant deferral / active EE | $1,385 | $1,228+12.8% | $1,954-29.1% | $4,299-67.8% |
| Admin fee / account holder | $10,705 | $2,432+340.2% | $2,825+279.0% | $6,940+54.2% |