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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 | $63,411 | $61,660+2.8% | $80,022-20.8% | $64,173-1.2% |
| Participation rate | 62.2% | 71.7%-9.5pp | 75.8%-13.6pp | 69.6%-7.3pp |
| Annual return | -4.65% | -0.33%-4.3pp | 11.22%-15.9pp | 7.63%-12.3pp |
| Employer contribution / active EE | $313 | $1,810-82.7% | $2,468-87.3% | $2,381-86.9% |
| Participant deferral / active EE | $2,716 | $2,968-8.5% | $3,686-26.3% | $3,470-21.7% |
| Admin fee / account holder | $15,927 | $5,417+194.0% | $6,521+144.2% | $4,887+225.9% |