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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 | $61,274 | $57,352+6.8% | $83,831-26.9% | $64,173-4.5% |
| Participation rate | 52.8% | 68.6%-15.8pp | 76.1%-23.4pp | 69.6%-16.8pp |
| Annual return | 9.41% | 11.38%-2.0pp | 850.99%-841.6pp | 7.63%+1.8pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,254 | $2,993+8.7% | $4,082-20.3% | $3,470-6.2% |
| Admin fee / account holder | $648 | $4,046-84.0% | $5,479-88.2% | $4,887-86.7% |