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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 | $138,026 | $115,814+19.2% | $101,275+36.3% | $158,982-13.2% |
| Participation rate | 50.0% | 79.4%-29.4pp | 75.8%-25.8pp | 82.0%-32.0pp |
| Annual return | 12.92% | 56.16%-43.2pp | 46.48%-33.6pp | 302.99%-290.1pp |
| Employer contribution / active EE | $21 | $4,176-99.5% | $3,660-99.4% | $4,763-99.6% |
| Participant deferral / active EE | $6,443 | $4,958+29.9% | $4,371+47.4% | $5,983+7.7% |
| Admin fee / account holder | $15,690 | $7,249+116.4% | $5,948+163.8% | $11,252+39.4% |