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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 | $54,228 | $59,819-9.3% | $79,583-31.9% | $68,490-20.8% |
| Participation rate | 36.5% | 61.1%-24.5pp | 69.5%-33.0pp | 67.9%-31.4pp |
| Annual return | -15.00% | -12.30%-2.7pp | 0.16%-15.2pp | -7.85%-7.1pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,414-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,436 | $3,025-19.5% | $3,986-38.9% | $4,028-39.5% |
| Admin fee / account holder | $703 | $4,835-85.5% | $6,835-89.7% | $5,403-87.0% |