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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 | $62,113 | $73,019-14.9% | $90,766-31.6% | $68,490-9.3% |
| Participation rate | 56.4% | 70.8%-14.4pp | 75.7%-19.3pp | 67.9%-11.5pp |
| Annual return | -11.35% | -13.81%+2.5pp | -12.16%+0.8pp | -7.85%-3.5pp |
| Employer contribution / active EE | $326 | $2,193-85.1% | $2,922-88.8% | $2,597-87.4% |
| Participant deferral / active EE | $1,835 | $3,626-49.4% | $4,565-59.8% | $4,028-54.4% |
| Admin fee / account holder | $5,653 | $5,897-4.1% | $8,446-33.1% | $5,403+4.6% |