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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 | $57,929 | $83,485-30.6% | $125,195-53.7% | $72,976-20.6% |
| Participation rate | 64.7% | 73.3%-8.6pp | 79.8%-15.1pp | 69.5%-4.8pp |
| Annual return | 23.52% | 25.77%-2.2pp | 43.79%-20.3pp | 81.02%-57.5pp |
| Employer contribution / active EE | $29 | $2,346-98.8% | $3,866-99.2% | $2,440-98.8% |
| Participant deferral / active EE | $2,435 | $3,586-32.1% | $4,937-50.7% | $3,608-32.5% |
| Admin fee / account holder | $5,909 | $5,518+7.1% | $9,704-39.1% | $5,124+15.3% |