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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 | $54,229-43.9% | $70,093-56.6% | $68,498-55.6% |
| Participation rate | 61.2% | 64.5%-3.3pp | 70.5%-9.3pp | 67.9%-6.7pp |
| Annual return | -7.50% | -13.87%+6.4pp | 190.73%-198.2pp | -7.84%+0.3pp |
| Employer contribution / active EE | $213 | $2,018-89.4% | $2,560-91.7% | $2,596-91.8% |
| Participant deferral / active EE | $2,412 | $2,956-18.4% | $3,849-37.3% | $4,027-40.1% |
| Admin fee / account holder | $7,098 | $4,694+51.2% | $6,267+13.3% | $5,403+31.4% |