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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 | $47,749 | $77,816-38.6% | $123,552-61.4% | $64,173-25.6% |
| Participation rate | 66.7% | 74.7%-8.0pp | 82.3%-15.6pp | 69.6%-2.9pp |
| Annual return | -5.59% | 12.49%-18.1pp | 119.20%-124.8pp | 7.63%-13.2pp |
| Employer contribution / active EE | $521 | $3,014-82.7% | $4,628-88.7% | $2,381-78.1% |
| Participant deferral / active EE | $4,486 | $5,240-14.4% | $6,426-30.2% | $3,470+29.3% |
| Admin fee / account holder | $1,253 | $5,519-77.3% | $9,285-86.5% | $4,887-74.4% |