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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 | $34,944 | $100,811-65.3% | $86,698-59.7% | $134,545-74.0% |
| Participation rate | 55.6% | 79.0%-23.4pp | 76.6%-21.0pp | 81.2%-25.7pp |
| Annual return | -15.45% | 29.11%-44.6pp | 35.96%-51.4pp | 418.37%-433.8pp |
| Employer contribution / active EE | $716 | $3,490-79.5% | $2,837-74.8% | $4,742-84.9% |
| Participant deferral / active EE | $3,737 | $5,339-30.0% | $4,656-19.7% | $6,401-41.6% |
| Admin fee / account holder | $7,436 | $10,926-31.9% | $7,492-0.8% | $11,431-34.9% |