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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 | $232,810 | $106,008+119.6% | $92,240+152.4% | $147,586+57.7% |
| Participation rate | 25.0% | 80.4%-55.4pp | 76.5%-51.5pp | 82.8%-57.8pp |
| Annual return | 10.83% | 50.05%-39.2pp | 176.29%-165.5pp | 578.59%-567.8pp |
| Employer contribution / active EE | $304 | $4,333-93.0% | $3,680-91.8% | $4,876-93.8% |
| Participant deferral / active EE | $2,460 | $4,478-45.1% | $3,897-36.9% | $5,439-54.8% |
| Admin fee / account holder | $11,513 | $6,333+81.8% | $5,194+121.6% | $10,886+5.8% |