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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 | $23,993 | $54,370-55.9% | $82,763-71.0% | $68,490-65.0% |
| Participation rate | 65.1% | 63.9%+1.2pp | 72.6%-7.4pp | 67.9%-2.8pp |
| Annual return | -18.75% | -13.67%-5.1pp | 702.45%-721.2pp | -7.85%-10.9pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,681 | $3,247+74.9% | $4,395+29.2% | $4,028+41.0% |
| Admin fee / account holder | $5,263 | $4,398+19.7% | $5,325-1.2% | $5,403-2.6% |