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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 | $11,317 | $42,917-73.6% | $60,899-81.4% | $68,495-83.5% |
| Participation rate | 34.2% | 66.8%-32.6pp | 73.1%-38.9pp | 67.9%-33.7pp |
| Annual return | -15.99% | -13.99%-2.0pp | 16.92%-32.9pp | -7.84%-8.2pp |
| Employer contribution / active EE | $212 | $1,979-89.3% | $2,702-92.1% | $2,596-91.8% |
| Participant deferral / active EE | $1,134 | $2,867-60.5% | $3,817-70.3% | $4,028-71.8% |
| Admin fee / account holder | $6,153 | $3,102+98.3% | $3,225+90.8% | $5,403+13.9% |