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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 | $50,362 | $49,896+0.9% | $80,627-37.5% | $75,173-33.0% |
| Participation rate | 27.5% | 55.3%-27.8pp | 67.0%-39.5pp | 67.2%-39.7pp |
| Annual return | 15.45% | 34.67%-19.2pp | 936.76%-921.3pp | 160.72%-145.3pp |
| Employer contribution / active EE | $251 | $1,699-85.2% | $2,723-90.8% | $2,671-90.6% |
| Participant deferral / active EE | $2,012 | $2,992-32.8% | $4,443-54.7% | $4,126-51.2% |
| Admin fee / account holder | $453 | $3,578-87.3% | $5,381-91.6% | $5,651-92.0% |