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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 | $72,699 | $64,719+12.3% | $112,249-35.2% | $68,486+6.2% |
| Participation rate | 69.6% | 67.2%+2.4pp | 75.1%-5.5pp | 67.9%+1.7pp |
| Annual return | -12.17% | -11.40%-0.8pp | 27.48%-39.7pp | -7.85%-4.3pp |
| Employer contribution / active EE | $543 | $2,747-80.2% | $3,636-85.1% | $2,597-79.1% |
| Participant deferral / active EE | $3,044 | $3,565-14.6% | $4,729-35.6% | $4,028-24.4% |
| Admin fee / account holder | $6,519 | $5,232+24.6% | $6,412+1.7% | $5,404+20.6% |