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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 | $103,291 | $50,947+102.7% | $74,551+38.6% | $64,173+61.0% |
| Participation rate | 69.0% | 61.1%+7.9pp | 69.1%-0.2pp | 69.6%-0.6pp |
| Annual return | -5.08% | -1.85%-3.2pp | 32.53%-37.6pp | 7.63%-12.7pp |
| Employer contribution / active EE | $0 | $1,115-100.0% | $1,961-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,535 | $2,302+97.1% | $3,108+45.9% | $3,470+30.7% |
| Admin fee / account holder | $2,247 | $4,221-46.8% | $5,059-55.6% | $4,887-54.0% |