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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 | $65,461 | $64,729+1.1% | $112,263-41.7% | $68,490-4.4% |
| Participation rate | 47.1% | 67.2%-20.1pp | 75.1%-28.0pp | 67.9%-20.8pp |
| Annual return | -15.64% | -11.40%-4.2pp | 27.49%-43.1pp | -7.85%-7.8pp |
| Employer contribution / active EE | $0 | $2,746-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,180 | $3,566+17.2% | $4,729-11.6% | $4,028+3.8% |
| Admin fee / account holder | $4,047 | $5,222-22.5% | $6,410-36.9% | $5,403-25.1% |