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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 | $109,439 | $57,352+90.8% | $83,831+30.5% | $64,173+70.5% |
| Participation rate | 63.0% | 68.6%-5.6pp | 76.1%-13.1pp | 69.6%-6.5pp |
| Annual return | -5.54% | 11.38%-16.9pp | 850.99%-856.5pp | 7.63%-13.2pp |
| Employer contribution / active EE | $378 | $2,546-85.1% | $3,631-89.6% | $2,381-84.1% |
| Participant deferral / active EE | $3,151 | $2,993+5.3% | $4,082-22.8% | $3,470-9.2% |
| Admin fee / account holder | $6,260 | $4,046+54.7% | $5,479+14.3% | $4,887+28.1% |