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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 | $47,405 | $48,235-1.7% | $68,803-31.1% | $68,490-30.8% |
| Participation rate | 64.1% | 60.7%+3.4pp | 69.0%-5.0pp | 67.9%-3.8pp |
| Annual return | -15.85% | -12.70%-3.1pp | -6.37%-9.5pp | -7.85%-8.0pp |
| Employer contribution / active EE | $313 | $1,829-82.9% | $2,656-88.2% | $2,597-88.0% |
| Participant deferral / active EE | $3,177 | $2,867+10.8% | $3,942-19.4% | $4,028-21.1% |
| Admin fee / account holder | $1,361 | $4,361-68.8% | $4,936-72.4% | $5,403-74.8% |