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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 | $33,447 | $69,012-51.5% | $160,037-79.1% | $68,490-51.2% |
| Participation rate | 60.6% | 65.4%-4.8pp | 78.0%-17.4pp | 67.9%-7.3pp |
| Annual return | -16.36% | -9.65%-6.7pp | 408.95%-425.3pp | -7.85%-8.5pp |
| Employer contribution / active EE | $389 | $2,212-82.4% | $4,226-90.8% | $2,597-85.0% |
| Participant deferral / active EE | $2,229 | $4,212-47.1% | $6,184-64.0% | $4,028-44.7% |
| Admin fee / account holder | $5,334 | $4,798+11.2% | $8,716-38.8% | $5,403-1.3% |