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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 | $37,262 | $53,162-29.9% | $91,227-59.2% | $68,490-45.6% |
| Participation rate | 50.0% | 63.2%-13.2pp | 73.2%-23.2pp | 67.9%-17.9pp |
| Annual return | -15.11% | -3.14%-12.0pp | 114.14%-129.2pp | -7.85%-7.3pp |
| Employer contribution / active EE | $14 | $1,709-99.2% | $2,851-99.5% | $2,597-99.5% |
| Participant deferral / active EE | $3,772 | $2,974+26.9% | $4,234-10.9% | $4,028-6.3% |
| Admin fee / account holder | $4,542 | $4,493+1.1% | $5,423-16.2% | $5,403-15.9% |