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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 | $27,396 | $73,848-62.9% | $143,799-80.9% | $68,486-60.0% |
| Participation rate | 58.9% | 66.7%-7.7pp | 80.3%-21.4pp | 67.9%-9.0pp |
| Annual return | -16.73% | 0.91%-17.6pp | -0.04%-16.7pp | -7.85%-8.9pp |
| Employer contribution / active EE | $0 | $3,184-100.0% | $4,952-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $1,878 | $3,385-44.5% | $5,638-66.7% | $4,028-53.4% |
| Admin fee / account holder | $7,091 | $5,755+23.2% | $14,677-51.7% | $5,404+31.2% |