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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 | $97,550-10.4% | $120,344-27.4% | $87,485-0.1% |
| Participation rate | 52.4% | 72.8%-20.4pp | 76.7%-24.3pp | 68.9%-16.6pp |
| Annual return | 14.78% | 18.41%-3.6pp | 20.30%-5.5pp | 26.06%-11.3pp |
| Employer contribution / active EE | $431 | $2,291-81.2% | $3,020-85.7% | $2,596-83.4% |
| Participant deferral / active EE | $2,827 | $4,230-33.2% | $5,135-44.9% | $4,274-33.8% |
| Admin fee / account holder | $1,361 | $9,543-85.7% | $12,742-89.3% | $7,775-82.5% |