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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 | $60,670 | $46,697+29.9% | $117,529-48.4% | $68,490-11.4% |
| Participation rate | 10.6% | 56.8%-46.2pp | 70.6%-60.0pp | 67.9%-57.3pp |
| Annual return | -16.80% | -14.52%-2.3pp | 29.77%-46.6pp | -7.85%-8.9pp |
| Employer contribution / active EE | $0 | $1,506-100.0% | $4,179-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,072 | $2,637-59.4% | $4,072-73.7% | $4,028-73.4% |
| Admin fee / account holder | $7,394 | $4,023+83.8% | $5,645+31.0% | $5,403+36.9% |