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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 | $141,904 | $75,962+86.8% | $154,108-7.9% | $64,173+121.1% |
| Participation rate | 69.0% | 70.4%-1.4pp | 83.0%-14.1pp | 69.6%-0.6pp |
| Annual return | 10.25% | 30.32%-20.1pp | 735.21%-725.0pp | 7.63%+2.6pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,298-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,783 | $3,175+50.7% | $5,081-5.9% | $3,470+37.9% |
| Admin fee / account holder | $5,479 | $5,589-2.0% | $13,411-59.2% | $4,887+12.1% |