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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 | $58,455 | $53,596+9.1% | $90,657-35.5% | $64,173-8.9% |
| Participation rate | 43.8% | 64.5%-20.8pp | 74.0%-30.3pp | 69.6%-25.8pp |
| Annual return | 34.59% | 4.41%+30.2pp | 1.89%+32.7pp | 7.63%+27.0pp |
| Employer contribution / active EE | $121 | $1,503-92.0% | $2,532-95.2% | $2,381-94.9% |
| Participant deferral / active EE | $2,043 | $2,459-16.9% | $3,424-40.4% | $3,470-41.1% |
| Admin fee / account holder | $3,919 | $3,868+1.3% | $4,994-21.5% | $4,887-19.8% |