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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 | $86,455 | $57,312+50.9% | $86,617-0.2% | $75,181+15.0% |
| Participation rate | 28.0% | 63.2%-35.2pp | 71.7%-43.7pp | 67.2%-39.2pp |
| Annual return | 16.17% | 2672.78%-2656.6pp | 591.91%-575.7pp | 160.69%-144.5pp |
| Employer contribution / active EE | $169 | $2,315-92.7% | $3,023-94.4% | $2,671-93.7% |
| Participant deferral / active EE | $1,101 | $3,319-66.8% | $4,437-75.2% | $4,126-73.3% |
| Admin fee / account holder | $5,546 | $4,114+34.8% | $5,613-1.2% | $5,650-1.8% |