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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 | $95,396 | $54,380+75.4% | $68,509+39.2% | $59,633+60.0% |
| Participation rate | 68.8% | 70.2%-1.4pp | 74.7%-6.0pp | 68.7%+0.1pp |
| Annual return | -0.68% | 2.83%-3.5pp | 8.27%-9.0pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $0 | $1,539-100.0% | $2,278-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,267 | $2,643-14.2% | $3,382-33.0% | $3,192-29.0% |
| Admin fee / account holder | $6,650 | $3,885+71.2% | $5,275+26.1% | $4,297+54.8% |