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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 | $18,921 | $43,333-56.3% | $59,883-68.4% | $64,181-70.5% |
| Participation rate | 54.3% | 69.2%-14.9pp | 74.7%-20.4pp | 69.6%-15.3pp |
| Annual return | -4.35% | -1.55%-2.8pp | 3.46%-7.8pp | 7.63%-12.0pp |
| Employer contribution / active EE | $52 | $2,029-97.4% | $2,722-98.1% | $2,381-97.8% |
| Participant deferral / active EE | $2,006 | $2,547-21.2% | $3,402-41.0% | $3,470-42.2% |
| Admin fee / account holder | $5,071 | $3,006+68.7% | $3,591+41.2% | $4,887+3.8% |