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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 | $67,789 | $49,451+37.1% | $79,580-14.8% | $66,938+1.3% |
| Participation rate | 66.1% | 61.3%+4.8pp | 69.5%-3.4pp | 69.8%-3.7pp |
| Annual return | -16.97% | 84.25%-101.2pp | 0.15%-17.1pp | 1.58%-18.5pp |
| Employer contribution / active EE | $323 | $1,266-74.5% | $2,413-86.6% | $2,545-87.3% |
| Participant deferral / active EE | $3,642 | $3,159+15.3% | $3,985-8.6% | $4,238-14.1% |
| Admin fee / account holder | $2,446 | $595+311.4% | $6,835-64.2% | $594+312.1% |