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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 | $152,059 | $83,908+81.2% | $68,509+122.0% | $125,389+21.3% |
| Participation rate | 30.0% | 78.2%-48.2pp | 74.7%-44.7pp | 83.2%-53.2pp |
| Annual return | -3.32% | 14.48%-17.8pp | 8.27%-11.6pp | 282.24%-285.6pp |
| Employer contribution / active EE | $264 | $3,031-91.3% | $2,278-88.4% | $4,866-94.6% |
| Participant deferral / active EE | $6,600 | $4,125+60.0% | $3,382+95.1% | $5,352+23.3% |
| Admin fee / account holder | $3,879 | $8,982-56.8% | $5,275-26.5% | $9,541-59.3% |