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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 | $157,555 | $211,946-25.7% | $169,452-7.0% | $135,380+16.4% |
| Participation rate | 16.7% | 82.6%-66.0pp | 77.8%-61.1pp | 82.6%-66.0pp |
| Annual return | -2.91% | 3.26%-6.2pp | 1.83%-4.7pp | 519.81%-522.7pp |
| Employer contribution / active EE | $282 | $5,117-94.5% | $4,157-93.2% | $4,779-94.1% |
| Participant deferral / active EE | $3,083 | $6,075-49.2% | $5,277-41.6% | $5,609-45.0% |
| Admin fee / account holder | $1,724 | $11,472-85.0% | $9,110-81.1% | $10,828-84.1% |