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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 | $87,071 | $81,870+6.4% | $119,634-27.2% | $68,490+27.1% |
| Participation rate | 52.8% | 71.9%-19.1pp | 79.3%-26.5pp | 67.9%-15.1pp |
| Annual return | -10.59% | -23.82%+13.2pp | -14.98%+4.4pp | -7.85%-2.7pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $2,006 | $4,148-51.6% | $5,601-64.2% | $4,028-50.2% |
| Admin fee / account holder | $902 | $6,583-86.3% | $10,329-91.3% | $5,403-83.3% |