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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 | $47,723 | $71,873-33.6% | $86,698-45.0% | $68,490-30.3% |
| Participation rate | 40.7% | 72.2%-31.5pp | 76.6%-35.8pp | 67.9%-27.2pp |
| Annual return | -14.09% | 3.54%-17.6pp | 35.96%-50.1pp | -7.85%-6.2pp |
| Employer contribution / active EE | $300 | $2,173-86.2% | $2,837-89.4% | $2,597-88.5% |
| Participant deferral / active EE | $2,273 | $3,779-39.8% | $4,656-51.2% | $4,028-43.6% |
| Admin fee / account holder | $807 | $6,110-86.8% | $7,492-89.2% | $5,403-85.1% |