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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 | $67,682 | $73,009-7.3% | $90,760-25.4% | $68,486-1.2% |
| Participation rate | 66.7% | 70.8%-4.2pp | 75.7%-9.0pp | 67.9%-1.2pp |
| Annual return | -6.84% | -13.81%+7.0pp | -12.16%+5.3pp | -7.85%+1.0pp |
| Employer contribution / active EE | $0 | $2,193-100.0% | $2,922-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,768 | $3,626-23.7% | $4,565-39.4% | $4,028-31.3% |
| Admin fee / account holder | $889 | $5,896-84.9% | $8,444-89.5% | $5,404-83.5% |