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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 | $60,160 | $57,352+4.9% | $83,830-28.2% | $64,173-6.3% |
| Participation rate | 63.2% | 68.6%-5.4pp | 76.1%-13.0pp | 69.6%-6.4pp |
| Annual return | -4.42% | 11.38%-15.8pp | 850.97%-855.4pp | 7.63%-12.1pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,090 | $2,993+36.7% | $4,082+0.2% | $3,470+17.9% |
| Admin fee / account holder | $3,577 | $4,046-11.6% | $5,479-34.7% | $4,887-26.8% |