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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 | $82,456 | $58,600+40.7% | $83,327-1.0% | $64,173+28.5% |
| Participation rate | 61.5% | 72.0%-10.5pp | 77.8%-16.2pp | 69.6%-8.0pp |
| Annual return | -6.08% | 9.66%-15.7pp | 10.64%-16.7pp | 7.63%-13.7pp |
| Employer contribution / active EE | $51 | $2,098-97.6% | $3,379-98.5% | $2,381-97.9% |
| Participant deferral / active EE | $2,954 | $4,656-36.6% | $5,565-46.9% | $3,470-14.9% |
| Admin fee / account holder | $13,889 | $9,282+49.6% | $7,540+84.2% | $4,887+184.2% |