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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 | $45,255 | $59,456-23.9% | $93,681-51.7% | $74,400-39.2% |
| Participation rate | 21.5% | 59.6%-38.1pp | 68.7%-47.2pp | 67.2%-45.7pp |
| Annual return | 15.30% | 82.00%-66.7pp | 133.47%-118.2pp | 1367.51%-1352.2pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,422-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $1,626 | $3,052-46.7% | $4,415-63.2% | $4,348-62.6% |
| Admin fee / account holder | $2,372 | $3,026-21.6% | $8,290-71.4% | $1,944+22.1% |