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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 | $57,429 | $48,050+19.5% | $96,754-40.6% | $64,340-10.7% |
| Participation rate | 27.3% | 40.6%-13.3pp | 70.3%-43.0pp | 55.2%-28.0pp |
| Annual return | 320.36% | 23.41%+296.9pp | 82.04%+238.3pp | 24.14%+296.2pp |
| Employer contribution / active EE | $0 | $1,204-100.0% | $2,679-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $911 | $2,191-58.4% | $4,758-80.9% | $2,980-69.4% |
| Admin fee / account holder | $3,051 | $3,741-18.5% | $8,905-65.7% | $3,703-17.6% |