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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 | $85,183 | $100,805-15.5% | $86,698-1.7% | $134,532-36.7% |
| Participation rate | 27.8% | 79.0%-51.2pp | 76.6%-48.8pp | 81.2%-53.5pp |
| Annual return | -18.82% | 29.09%-47.9pp | 35.95%-54.8pp | 418.27%-437.1pp |
| Employer contribution / active EE | $388 | $3,490-88.9% | $2,837-86.3% | $4,741-91.8% |
| Participant deferral / active EE | $2,319 | $5,339-56.6% | $4,656-50.2% | $6,401-63.8% |
| Admin fee / account holder | $9,516 | $10,925-12.9% | $7,493+27.0% | $11,429-16.7% |