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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 | $103,657 | $131,835-21.4% | $108,582-4.5% | $273,972-62.2% |
| Participation rate | 55.6% | 83.5%-27.9pp | 79.6%-24.0pp | 83.0%-27.5pp |
| Annual return | 15.33% | -91.57%+106.9pp | -51.70%+67.0pp | 41.46%-26.1pp |
| Employer contribution / active EE | $779 | $4,913-84.1% | $3,758-79.3% | $4,869-84.0% |
| Participant deferral / active EE | $2,904 | $5,127-43.4% | $4,311-32.6% | $5,287-45.1% |
| Admin fee / account holder | $3,357 | $10,253-67.3% | $7,645-56.1% | $10,133-66.9% |