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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 | $96,937 | $71,878+34.9% | $86,698+11.8% | $68,486+41.5% |
| Participation rate | 57.1% | 72.2%-15.1pp | 76.6%-19.4pp | 67.9%-10.8pp |
| Annual return | -16.39% | 3.53%-19.9pp | 35.95%-52.3pp | -7.85%-8.5pp |
| Employer contribution / active EE | $518 | $2,173-76.2% | $2,837-81.7% | $2,597-80.0% |
| Participant deferral / active EE | $3,107 | $3,779-17.8% | $4,656-33.3% | $4,028-22.9% |
| Admin fee / account holder | $2,051 | $6,113-66.4% | $7,493-72.6% | $5,404-62.0% |