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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 | $142,540 | $54,370+162.2% | $82,763+72.2% | $68,490+108.1% |
| Participation rate | 34.3% | 63.9%-29.6pp | 72.6%-38.3pp | 67.9%-33.6pp |
| Annual return | 3.98% | -13.67%+17.7pp | 702.45%-698.5pp | -7.85%+11.8pp |
| Employer contribution / active EE | $0 | $2,219-100.0% | $3,008-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $900 | $3,247-72.3% | $4,395-79.5% | $4,028-77.7% |
| Admin fee / account holder | $60,105 | $4,398+1266.6% | $5,325+1028.7% | $5,403+1012.5% |