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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 | $80,606 | $82,674-2.5% | $125,381-35.7% | $68,486+17.7% |
| Participation rate | 60.0% | 75.1%-15.1pp | 82.4%-22.4pp | 67.9%-7.9pp |
| Annual return | -16.30% | -5.97%-10.3pp | 572.31%-588.6pp | -7.85%-8.4pp |
| Employer contribution / active EE | $397 | $3,382-88.3% | $4,815-91.8% | $2,597-84.7% |
| Participant deferral / active EE | $4,055 | $6,111-33.6% | $7,448-45.6% | $4,028+0.7% |
| Admin fee / account holder | $1,351 | $6,277-78.5% | $10,007-86.5% | $5,404-75.0% |