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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 | $19,942 | $64,729-69.2% | $112,263-82.2% | $68,490-70.9% |
| Participation rate | 39.4% | 67.2%-27.7pp | 75.1%-35.6pp | 67.9%-28.5pp |
| Annual return | -14.17% | -11.40%-2.8pp | 27.49%-41.7pp | -7.85%-6.3pp |
| Employer contribution / active EE | $443 | $2,746-83.9% | $3,636-87.8% | $2,597-83.0% |
| Participant deferral / active EE | $2,213 | $3,566-37.9% | $4,729-53.2% | $4,028-45.0% |
| Admin fee / account holder | $11,711 | $5,222+124.3% | $6,410+82.7% | $5,403+116.8% |