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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 | $140,593 | $81,870+71.7% | $119,622+17.5% | $68,486+105.3% |
| Participation rate | 57.4% | 71.9%-14.4pp | 79.3%-21.8pp | 67.9%-10.4pp |
| Annual return | -11.72% | -23.82%+12.1pp | -14.98%+3.3pp | -7.85%-3.9pp |
| Employer contribution / active EE | $0 | $2,692-100.0% | $4,232-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,846 | $4,148-7.3% | $5,601-31.3% | $4,028-4.5% |
| Admin fee / account holder | $42,958 | $6,583+552.6% | $10,328+315.9% | $5,404+695.0% |