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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 | $76,279 | $69,012+10.5% | $160,009-52.3% | $68,486+11.4% |
| Participation rate | 48.4% | 65.4%-17.0pp | 78.0%-29.6pp | 67.9%-19.5pp |
| Annual return | -14.67% | -9.65%-5.0pp | 408.85%-423.5pp | -7.85%-6.8pp |
| Employer contribution / active EE | $200 | $2,212-91.0% | $4,225-95.3% | $2,597-92.3% |
| Participant deferral / active EE | $3,161 | $4,212-24.9% | $6,183-48.9% | $4,028-21.5% |
| Admin fee / account holder | $18,620 | $4,798+288.0% | $8,715+113.7% | $5,404+244.6% |