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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 | $62,338 | $81,870-23.9% | $119,634-47.9% | $68,490-9.0% |
| Participation rate | 61.1% | 71.9%-10.8pp | 79.3%-18.2pp | 67.9%-6.8pp |
| Annual return | -12.95% | -23.82%+10.9pp | -14.98%+2.0pp | -7.85%-5.1pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,105 | $4,148-25.1% | $5,601-44.6% | $4,028-22.9% |
| Admin fee / account holder | $3,676 | $6,583-44.2% | $10,329-64.4% | $5,403-32.0% |