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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 | $24,940 | $211,946-88.2% | $169,452-85.3% | $135,380-81.6% |
| Participation rate | 29.4% | 82.6%-53.2pp | 77.8%-48.4pp | 82.6%-53.2pp |
| Annual return | -6.27% | 3.26%-9.5pp | 1.83%-8.1pp | 519.81%-526.1pp |
| Employer contribution / active EE | $26 | $5,117-99.5% | $4,157-99.4% | $4,779-99.4% |
| Participant deferral / active EE | $2,061 | $6,075-66.1% | $5,277-61.0% | $5,609-63.3% |
| Admin fee / account holder | $18,384 | $11,472+60.3% | $9,110+101.8% | $10,828+69.8% |