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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 | $36,043 | $55,684-35.3% | $75,900-52.5% | $72,976-50.6% |
| Participation rate | 65.6% | 61.1%+4.4pp | 69.3%-3.7pp | 69.5%-3.9pp |
| Annual return | 26.47% | 27.60%-1.1pp | 30.73%-4.3pp | 81.02%-54.5pp |
| Employer contribution / active EE | $0 | $1,687-100.0% | $2,501-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $2,953 | $2,634+12.1% | $3,604-18.1% | $3,608-18.1% |
| Admin fee / account holder | $4,438 | $3,981+11.5% | $5,421-18.1% | $5,124-13.4% |