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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 | $75,997 | $67,411+12.7% | $91,004-16.5% | $70,126+8.4% |
| Participation rate | 64.3% | 71.4%-7.1pp | 75.6%-11.3pp | 69.5%-5.3pp |
| Annual return | 16.03% | -40.16%+56.2pp | 4.60%+11.4pp | 73.15%-57.1pp |
| Employer contribution / active EE | $203 | $1,786-88.6% | $2,456-91.7% | $2,343-91.3% |
| Participant deferral / active EE | $2,088 | $2,823-26.0% | $3,548-41.1% | $3,332-37.3% |
| Admin fee / account holder | $3,681 | $4,236-13.1% | $5,417-32.1% | $4,645-20.8% |