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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 | $84,082 | $72,177+16.5% | $115,037-26.9% | $59,632+41.0% |
| Participation rate | 64.1% | 72.6%-8.4pp | 81.4%-17.3pp | 68.7%-4.6pp |
| Annual return | -1.18% | 12.02%-13.2pp | 26.14%-27.3pp | 2041.32%-2042.5pp |
| Employer contribution / active EE | $328 | $2,841-88.5% | $4,608-92.9% | $2,203-85.1% |
| Participant deferral / active EE | $2,787 | $4,783-41.7% | $6,026-53.8% | $3,192-12.7% |
| Admin fee / account holder | $632 | $4,927-87.2% | $8,175-92.3% | $4,297-85.3% |