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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 | $83,843-38.5% | $123,973-58.4% | $65,306-21.1% |
| Participation rate | 58.8% | 56.0%+2.9pp | 76.7%-17.8pp | 57.7%+1.2pp |
| Annual return | 13.29% | 19.87%-6.6pp | 388.13%-374.8pp | 21.94%-8.6pp |
| Employer contribution / active EE | $174 | $2,873-93.9% | $4,126-95.8% | $1,967-91.1% |
| Participant deferral / active EE | $3,200 | $2,997+6.8% | $5,247-39.0% | $2,959+8.1% |
| Admin fee / account holder | $12,068 | $4,735+154.8% | $11,799+2.3% | $3,480+246.8% |