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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 | $72,062 | $45,119+59.7% | $85,126-15.3% | $74,429-3.2% |
| Participation rate | 25.0% | 49.4%-24.4pp | 67.5%-42.5pp | 67.2%-42.2pp |
| Annual return | 53.51% | 26.28%+27.2pp | 66.63%-13.1pp | 1368.38%-1314.9pp |
| Employer contribution / active EE | $0 | $1,460-100.0% | $2,731-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $4,945 | $2,738+80.6% | $4,523+9.3% | $4,348+13.7% |
| Admin fee / account holder | $18,250 | $2,214+724.3% | $6,160+196.2% | $1,944+838.6% |