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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 | $73,309 | $77,817-5.8% | $123,553-40.7% | $64,173+14.2% |
| Participation rate | 64.0% | 74.7%-10.7pp | 82.3%-18.3pp | 69.6%-5.6pp |
| Annual return | -6.74% | 12.49%-19.2pp | 119.21%-125.9pp | 7.63%-14.4pp |
| Employer contribution / active EE | $393 | $3,014-87.0% | $4,628-91.5% | $2,381-83.5% |
| Participant deferral / active EE | $3,866 | $5,240-26.2% | $6,426-39.8% | $3,470+11.4% |
| Admin fee / account holder | $4,449 | $5,519-19.4% | $9,284-52.1% | $4,887-9.0% |