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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 | $72,505 | $80,705-10.2% | $115,768-37.4% | $67,986+6.6% |
| Participation rate | 65.0% | 63.0%+2.1pp | 74.4%-9.4pp | 57.2%+7.8pp |
| Annual return | 13.32% | 18.49%-5.2pp | 100.46%-87.1pp | 31.67%-18.3pp |
| Employer contribution / active EE | $0 | $2,046-100.0% | $2,940-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $3,232 | $3,559-9.2% | $4,917-34.3% | $3,358-3.8% |
| Admin fee / account holder | $9,343 | $4,135+125.9% | $12,439-24.9% | $3,203+191.7% |