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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 | $86,724 | $71,215+21.8% | $93,696-7.4% | $80,935+7.2% |
| Participation rate | 38.6% | 60.4%-21.8pp | 68.7%-30.1pp | 67.7%-29.1pp |
| Annual return | 13.83% | 11.27%+2.6pp | 133.74%-119.9pp | 35.66%-21.8pp |
| Employer contribution / active EE | $33 | $1,565-97.9% | $2,422-98.6% | $2,757-98.8% |
| Participant deferral / active EE | $1,875 | $4,037-53.6% | $4,417-57.5% | $4,299-56.4% |
| Admin fee / account holder | $28,825 | $6,958+314.3% | $8,287+247.9% | $6,924+316.3% |