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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 | $65,953 | $65,378+0.9% | $87,103-24.3% | $65,186+1.2% |
| Participation rate | 52.4% | 75.3%-23.0pp | 76.9%-24.5pp | 70.2%-17.8pp |
| Annual return | 23.04% | 31.28%-8.2pp | 28.19%-5.2pp | 29.39%-6.3pp |
| Employer contribution / active EE | $476 | $1,823-73.9% | $2,521-81.1% | $2,177-78.1% |
| Participant deferral / active EE | $4,759 | $3,389+40.4% | $4,049+17.5% | $3,514+35.4% |
| Admin fee / account holder | $5,506 | $520+959.2% | $7,491-26.5% | $847+549.9% |