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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 | $31,215 | $59,819-47.8% | $79,583-60.8% | $68,490-54.4% |
| Participation rate | 41.9% | 61.1%-19.1pp | 69.5%-27.6pp | 67.9%-26.0pp |
| Annual return | -12.61% | -12.30%-0.3pp | 0.16%-12.8pp | -7.85%-4.8pp |
| Employer contribution / active EE | $1 | $1,505-99.9% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,891 | $3,025+61.7% | $3,986+22.7% | $4,028+21.4% |
| Admin fee / account holder | $303 | $4,835-93.7% | $6,835-95.6% | $5,403-94.4% |