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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 | $31,400 | $91,911-65.8% | $68,612-54.2% | $135,380-76.8% |
| Participation rate | 66.7% | 76.7%-10.1pp | 72.2%-5.6pp | 82.6%-16.0pp |
| Annual return | -4.79% | -8.22%+3.4pp | -4.63%-0.2pp | 519.81%-524.6pp |
| Employer contribution / active EE | $155 | $3,924-96.1% | $2,625-94.1% | $4,779-96.8% |
| Participant deferral / active EE | $5,648 | $4,315+30.9% | $3,311+70.6% | $5,609+0.7% |
| Admin fee / account holder | $9,754 | $9,240+5.6% | $5,131+90.1% | $10,828-9.9% |