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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 | $83,369-38.2% | $105,223-51.0% | $67,986-24.2% |
| Participation rate | 58.8% | 56.3%+2.5pp | 75.0%-16.2pp | 57.2%+1.6pp |
| Annual return | 13.29% | 24.64%-11.3pp | 180.65%-167.4pp | 31.67%-18.4pp |
| Employer contribution / active EE | $174 | $2,541-93.1% | $3,689-95.3% | $2,019-91.4% |
| Participant deferral / active EE | $3,200 | $3,295-2.9% | $5,072-36.9% | $3,358-4.7% |
| Admin fee / account holder | $12,068 | $4,073+196.3% | $8,859+36.2% | $3,203+276.7% |