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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 | $51,226 | $62,409-17.9% | $120,380-57.4% | $74,400-31.1% |
| Participation rate | 50.6% | 56.8%-6.1pp | 71.9%-21.3pp | 67.2%-16.6pp |
| Annual return | 11.92% | 18.62%-6.7pp | 107.28%-95.4pp | 1367.51%-1355.6pp |
| Employer contribution / active EE | $460 | $1,847-75.1% | $3,465-86.7% | $2,624-82.5% |
| Participant deferral / active EE | $2,074 | $2,888-28.2% | $4,992-58.5% | $4,348-52.3% |
| Admin fee / account holder | $2,700 | $2,394+12.8% | $9,421-71.3% | $1,944+38.9% |