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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 | $74,386 | $62,583+18.9% | $76,767-3.1% | $64,173+15.9% |
| Participation rate | 69.8% | 72.8%-3.0pp | 77.0%-7.2pp | 69.6%+0.2pp |
| Annual return | -3.62% | -1.95%-1.7pp | 2.43%-6.1pp | 7.63%-11.3pp |
| Employer contribution / active EE | $377 | $1,832-79.4% | $2,485-84.9% | $2,381-84.2% |
| Participant deferral / active EE | $3,765 | $3,145+19.7% | $3,852-2.2% | $3,470+8.5% |
| Admin fee / account holder | $2,769 | $4,667-40.7% | $6,675-58.5% | $4,887-43.3% |