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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 | $67,216 | $71,873-6.5% | $86,698-22.5% | $68,490-1.9% |
| Participation rate | 58.5% | 72.2%-13.7pp | 76.6%-18.1pp | 67.9%-9.4pp |
| Annual return | -16.23% | 3.54%-19.8pp | 35.96%-52.2pp | -7.85%-8.4pp |
| Employer contribution / active EE | $462 | $2,173-78.8% | $2,837-83.7% | $2,597-82.2% |
| Participant deferral / active EE | $2,376 | $3,779-37.1% | $4,656-49.0% | $4,028-41.0% |
| Admin fee / account holder | $1,764 | $6,110-71.1% | $7,492-76.5% | $5,403-67.3% |