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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 | $159,298 | $72,404+120.0% | $110,241+44.5% | $64,181+148.2% |
| Participation rate | 63.4% | 73.3%-9.9pp | 79.8%-16.4pp | 69.6%-6.2pp |
| Annual return | -3.91% | -6.29%+2.4pp | 314.75%-318.7pp | 7.63%-11.5pp |
| Employer contribution / active EE | $259 | $2,282-88.7% | $3,827-93.2% | $2,381-89.1% |
| Participant deferral / active EE | $4,870 | $3,469+40.4% | $4,672+4.2% | $3,470+40.4% |
| Admin fee / account holder | $7,069 | $5,664+24.8% | $8,548-17.3% | $4,887+44.6% |