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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 | $55,307 | $67,411-18.0% | $91,004-39.2% | $70,126-21.1% |
| Participation rate | 52.7% | 71.4%-18.6pp | 75.6%-22.9pp | 69.5%-16.8pp |
| Annual return | 13.59% | -40.16%+53.8pp | 4.60%+9.0pp | 73.15%-59.6pp |
| Employer contribution / active EE | $211 | $1,786-88.2% | $2,456-91.4% | $2,343-91.0% |
| Participant deferral / active EE | $2,111 | $2,823-25.2% | $3,548-40.5% | $3,332-36.6% |
| Admin fee / account holder | $3,474 | $4,236-18.0% | $5,417-35.9% | $4,645-25.2% |