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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 | $60,197 | $64,729-7.0% | $112,263-46.4% | $68,490-12.1% |
| Participation rate | 26.8% | 67.2%-40.4pp | 75.1%-48.3pp | 67.9%-41.1pp |
| Annual return | -16.45% | -11.40%-5.1pp | 27.49%-43.9pp | -7.85%-8.6pp |
| Employer contribution / active EE | $453 | $2,746-83.5% | $3,636-87.6% | $2,597-82.6% |
| Participant deferral / active EE | $2,345 | $3,566-34.2% | $4,729-50.4% | $4,028-41.8% |
| Admin fee / account holder | $1,389 | $5,222-73.4% | $6,410-78.3% | $5,403-74.3% |