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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 | $93,852 | $101,063-7.1% | $81,473+15.2% | $147,586-36.4% |
| Participation rate | 57.9% | 74.5%-16.6pp | 68.0%-10.1pp | 82.8%-24.9pp |
| Annual return | 10.99% | 32.41%-21.4pp | 38.78%-27.8pp | 578.59%-567.6pp |
| Employer contribution / active EE | $0 | $3,206-100.0% | $2,568-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $2,362 | $4,242-44.3% | $3,537-33.2% | $5,439-56.6% |
| Admin fee / account holder | $4,990 | $5,812-14.1% | $4,561+9.4% | $10,886-54.2% |