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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 | $64,106 | $75,935-15.6% | $60,547+5.9% | $125,389-48.9% |
| Participation rate | 53.8% | 76.5%-22.7pp | 68.0%-14.1pp | 83.2%-29.3pp |
| Annual return | 1.72% | -5.38%+7.1pp | 335.64%-333.9pp | 282.24%-280.5pp |
| Employer contribution / active EE | $0 | $3,438-100.0% | $2,419-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $3,631 | $4,506-19.4% | $3,328+9.1% | $5,352-32.1% |
| Admin fee / account holder | $17,539 | $6,768+159.2% | $4,536+286.6% | $9,541+83.8% |