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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 | $36,058 | $73,863-51.2% | $143,797-74.9% | $68,490-47.4% |
| Participation rate | 34.5% | 66.7%-32.1pp | 80.3%-45.8pp | 67.9%-33.4pp |
| Annual return | -15.16% | 0.91%-16.1pp | -0.04%-15.1pp | -7.85%-7.3pp |
| Employer contribution / active EE | $298 | $3,185-90.6% | $4,952-94.0% | $2,597-88.5% |
| Participant deferral / active EE | $3,021 | $3,385-10.8% | $5,638-46.4% | $4,028-25.0% |
| Admin fee / account holder | $551 | $5,756-90.4% | $14,679-96.2% | $5,403-89.8% |