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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 | $54,607 | $48,364+12.9% | $71,796-23.9% | $62,881-13.2% |
| Participation rate | 59.5% | 60.6%-1.2pp | 69.1%-9.7pp | 69.3%-9.8pp |
| Annual return | 6.09% | 13.16%-7.1pp | 78.04%-72.0pp | 20.14%-14.1pp |
| Employer contribution / active EE | $135 | $1,042-87.0% | $1,924-93.0% | $2,281-94.1% |
| Participant deferral / active EE | $2,061 | $2,091-1.5% | $2,794-26.3% | $3,203-35.7% |
| Admin fee / account holder | $5,011 | $3,771+32.9% | $4,815+4.1% | $4,296+16.7% |