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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 | $27,583 | $93,098-70.4% | $77,081-64.2% | $134,509-79.5% |
| Participation rate | 21.1% | 74.5%-53.4pp | 67.9%-46.9pp | 81.2%-60.2pp |
| Annual return | -19.32% | 62.63%-82.0pp | 42.33%-61.6pp | 418.13%-437.5pp |
| Employer contribution / active EE | $367 | $3,419-89.3% | $2,813-87.0% | $4,741-92.3% |
| Participant deferral / active EE | $1,222 | $5,239-76.7% | $4,428-72.4% | $6,400-80.9% |
| Admin fee / account holder | $1,280 | $6,945-81.6% | $5,427-76.4% | $11,427-88.8% |