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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 | $82,884 | $95,917-13.6% | $79,583+4.1% | $134,545-38.4% |
| Participation rate | 53.3% | 75.0%-21.7pp | 69.5%-16.2pp | 81.2%-27.9pp |
| Annual return | -18.60% | -2.70%-15.9pp | 0.16%-18.8pp | 418.37%-437.0pp |
| Employer contribution / active EE | $422 | $3,129-86.5% | $2,414-82.5% | $4,742-91.1% |
| Participant deferral / active EE | $3,855 | $4,694-17.9% | $3,986-3.3% | $6,401-39.8% |
| Admin fee / account holder | $17,446 | $9,132+91.0% | $6,835+155.2% | $11,431+52.6% |