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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 | $65,988 | $50,947+29.5% | $74,551-11.5% | $64,173+2.8% |
| Participation rate | 43.3% | 61.1%-17.7pp | 69.1%-25.8pp | 69.6%-26.2pp |
| Annual return | -4.61% | -1.85%-2.8pp | 32.53%-37.1pp | 7.63%-12.2pp |
| Employer contribution / active EE | $195 | $1,115-82.5% | $1,961-90.1% | $2,381-91.8% |
| Participant deferral / active EE | $1,477 | $2,302-35.8% | $3,108-52.5% | $3,470-57.4% |
| Admin fee / account holder | $2,034 | $4,221-51.8% | $5,059-59.8% | $4,887-58.4% |