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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 | $89,718 | $84,518+6.2% | $67,704+32.5% | $125,389-28.4% |
| Participation rate | 55.6% | 74.8%-19.2pp | 67.5%-12.0pp | 83.2%-27.6pp |
| Annual return | -1.48% | 2.57%-4.1pp | 25.41%-26.9pp | 282.24%-283.7pp |
| Employer contribution / active EE | $95 | $3,292-97.1% | $2,559-96.3% | $4,866-98.0% |
| Participant deferral / active EE | $808 | $4,430-81.7% | $3,585-77.5% | $5,352-84.9% |
| Admin fee / account holder | $17,961 | $5,340+236.3% | $4,255+322.1% | $9,541+88.3% |