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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 | $102,385+7.5% | $147,080-25.2% | $80,935+36.0% |
| Participation rate | 65.5% | 75.9%-10.4pp | 82.2%-16.7pp | 67.7%-2.1pp |
| Annual return | 60.05% | 135.09%-75.0pp | 420.17%-360.1pp | 35.66%+24.4pp |
| Employer contribution / active EE | $89 | $3,717-97.6% | $4,933-98.2% | $2,757-96.8% |
| Participant deferral / active EE | $7,014 | $6,651+5.5% | $8,066-13.0% | $4,299+63.1% |
| Admin fee / account holder | $4,955 | $7,951-37.7% | $12,989-61.9% | $6,924-28.4% |