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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 | $87,396 | $95,453-8.4% | $112,040-22.0% | $82,448+6.0% |
| Participation rate | 52.4% | 72.8%-20.4pp | 76.5%-24.1pp | 68.1%-15.7pp |
| Annual return | 14.78% | 23.92%-9.1pp | 24.52%-9.7pp | 41.64%-26.9pp |
| Employer contribution / active EE | $431 | $2,318-81.4% | $2,954-85.4% | $2,551-83.1% |
| Participant deferral / active EE | $2,827 | $4,224-33.1% | $5,098-44.5% | $4,139-31.7% |
| Admin fee / account holder | $1,361 | $9,013-84.9% | $12,098-88.8% | $7,234-81.2% |