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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 | $105,991 | $73,009+45.2% | $90,760+16.8% | $68,486+54.8% |
| Participation rate | 47.8% | 70.8%-23.0pp | 75.7%-27.9pp | 67.9%-20.1pp |
| Annual return | -16.30% | -13.81%-2.5pp | -12.16%-4.1pp | -7.85%-8.4pp |
| Employer contribution / active EE | $434 | $2,193-80.2% | $2,922-85.1% | $2,597-83.3% |
| Participant deferral / active EE | $2,467 | $3,626-32.0% | $4,565-46.0% | $4,028-38.8% |
| Admin fee / account holder | $1,746 | $5,896-70.4% | $8,444-79.3% | $5,404-67.7% |