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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 | $57,216 | $64,909-11.9% | $82,312-30.5% | $62,293-8.2% |
| Participation rate | 44.2% | 74.9%-30.6pp | 76.9%-32.6pp | 69.5%-25.3pp |
| Annual return | 17.54% | 21.18%-3.6pp | 25.88%-8.3pp | 28.90%-11.4pp |
| Employer contribution / active EE | $354 | $1,676-78.9% | $2,428-85.4% | $2,042-82.7% |
| Participant deferral / active EE | $3,150 | $3,103+1.5% | $3,706-15.0% | $3,169-0.6% |
| Admin fee / account holder | $1,003 | $440+128.2% | $5,608-82.1% | $479+109.3% |