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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 | $30,445 | $53,546-43.1% | $69,890-56.4% | $68,490-55.5% |
| Participation rate | 61.2% | 64.5%-3.4pp | 70.5%-9.3pp | 67.9%-6.7pp |
| Annual return | -7.50% | -13.87%+6.4pp | 190.84%-198.3pp | -7.85%+0.3pp |
| Employer contribution / active EE | $213 | $2,019-89.5% | $2,560-91.7% | $2,597-91.8% |
| Participant deferral / active EE | $2,412 | $2,957-18.4% | $3,848-37.3% | $4,028-40.1% |
| Admin fee / account holder | $7,098 | $4,693+51.3% | $6,267+13.3% | $5,403+31.4% |