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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 | $130,848 | $62,583+109.1% | $76,767+70.4% | $64,173+103.9% |
| Participation rate | 57.5% | 72.8%-15.3pp | 77.0%-19.5pp | 69.6%-12.1pp |
| Annual return | -7.25% | -1.95%-5.3pp | 2.43%-9.7pp | 7.63%-14.9pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,906 | $3,145-39.4% | $3,852-50.5% | $3,470-45.1% |
| Admin fee / account holder | $16,163 | $4,667+246.3% | $6,675+142.1% | $4,887+230.7% |