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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 | $66,687 | $71,873-7.2% | $86,698-23.1% | $68,490-2.6% |
| Participation rate | 69.0% | 72.2%-3.3pp | 76.6%-7.6pp | 67.9%+1.1pp |
| Annual return | -12.61% | 3.54%-16.2pp | 35.96%-48.6pp | -7.85%-4.8pp |
| Employer contribution / active EE | $344 | $2,173-84.2% | $2,837-87.9% | $2,597-86.7% |
| Participant deferral / active EE | $2,257 | $3,779-40.3% | $4,656-51.5% | $4,028-44.0% |
| Admin fee / account holder | $1,880 | $6,110-69.2% | $7,492-74.9% | $5,403-65.2% |