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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 | $102,386 | $71,872+42.5% | $86,691+18.1% | $68,495+49.5% |
| Participation rate | 52.1% | 72.2%-20.2pp | 76.6%-24.5pp | 67.9%-15.8pp |
| Annual return | -16.04% | 3.53%-19.6pp | 35.94%-52.0pp | -7.84%-8.2pp |
| Employer contribution / active EE | $384 | $2,173-82.3% | $2,837-86.5% | $2,596-85.2% |
| Participant deferral / active EE | $2,151 | $3,779-43.1% | $4,656-53.8% | $4,028-46.6% |
| Admin fee / account holder | $6,604 | $6,112+8.0% | $7,492-11.9% | $5,403+22.2% |