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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 | $76,326 | $75,962+0.5% | $154,108-50.5% | $64,173+18.9% |
| Participation rate | 46.2% | 70.4%-24.3pp | 83.0%-36.9pp | 69.6%-23.4pp |
| Annual return | -4.53% | 30.32%-34.9pp | 735.21%-739.7pp | 7.63%-12.2pp |
| Employer contribution / active EE | $64 | $3,350-98.1% | $5,298-98.8% | $2,381-97.3% |
| Participant deferral / active EE | $2,539 | $3,175-20.0% | $5,081-50.0% | $3,470-26.8% |
| Admin fee / account holder | $7,531 | $5,589+34.8% | $13,411-43.8% | $4,887+54.1% |