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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 | $110,087 | $102,382+7.5% | $147,005-25.1% | $80,874+36.1% |
| Participation rate | 65.5% | 75.8%-10.3pp | 82.2%-16.6pp | 67.6%-2.1pp |
| Annual return | 60.05% | 134.89%-74.8pp | 418.76%-358.7pp | 35.62%+24.4pp |
| Employer contribution / active EE | $89 | $3,715-97.6% | $4,934-98.2% | $2,756-96.8% |
| Participant deferral / active EE | $7,014 | $6,646+5.5% | $8,070-13.1% | $4,297+63.2% |
| Admin fee / account holder | $4,955 | $7,942-37.6% | $13,006-61.9% | $6,935-28.5% |