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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 | $51,544 | $80,674-36.1% | $119,126-56.7% | $64,340-19.9% |
| Participation rate | 58.8% | 55.2%+3.6pp | 75.8%-16.9pp | 55.2%+3.6pp |
| Annual return | 13.29% | 26.86%-13.6pp | 282.11%-268.8pp | 24.14%-10.8pp |
| Employer contribution / active EE | $174 | $2,564-93.2% | $4,034-95.7% | $1,862-90.6% |
| Participant deferral / active EE | $3,200 | $3,053+4.8% | $5,318-39.8% | $2,980+7.4% |
| Admin fee / account holder | $12,068 | $4,559+164.7% | $10,693+12.9% | $3,703+225.9% |