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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 | $7,501 | $45,872-83.6% | $77,100-90.3% | $68,490-89.0% |
| Participation rate | 40.9% | 55.9%-15.0pp | 67.9%-27.0pp | 67.9%-27.0pp |
| Annual return | -14.42% | 1.73%-16.1pp | 42.35%-56.8pp | -7.85%-6.6pp |
| Employer contribution / active EE | $0 | $1,650-100.0% | $2,815-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $926 | $2,963-68.8% | $4,430-79.1% | $4,028-77.0% |
| Admin fee / account holder | $325 | $3,041-89.3% | $5,443-94.0% | $5,403-94.0% |