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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 | $106,841 | $65,575+62.9% | $86,209+23.9% | $75,181+42.1% |
| Participation rate | 30.3% | 60.5%-30.2pp | 69.0%-38.7pp | 67.2%-36.9pp |
| Annual return | 15.52% | 46.07%-30.5pp | 1169.05%-1153.5pp | 160.69%-145.2pp |
| Employer contribution / active EE | $0 | $1,553-100.0% | $2,381-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $2,319 | $3,023-23.3% | $3,986-41.8% | $4,126-43.8% |
| Admin fee / account holder | $7,282 | $5,470+33.1% | $6,853+6.3% | $5,650+28.9% |