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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 | $60,495 | $54,541+10.9% | $78,778-23.2% | $70,124-13.7% |
| Participation rate | 55.0% | 60.8%-5.8pp | 69.2%-14.2pp | 69.5%-14.5pp |
| Annual return | 12.40% | 21.07%-8.7pp | 35.62%-23.2pp | 73.14%-60.7pp |
| Employer contribution / active EE | $123 | $1,089-88.7% | $1,986-93.8% | $2,342-94.8% |
| Participant deferral / active EE | $1,906 | $2,210-13.7% | $2,958-35.6% | $3,332-42.8% |
| Admin fee / account holder | $8,512 | $3,709+129.5% | $5,134+65.8% | $4,645+83.2% |