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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 | $81,502 | $54,357+49.9% | $82,706-1.5% | $68,495+19.0% |
| Participation rate | 27.9% | 63.9%-36.1pp | 72.6%-44.7pp | 67.9%-40.0pp |
| Annual return | -17.39% | -13.67%-3.7pp | 701.76%-719.2pp | -7.84%-9.6pp |
| Employer contribution / active EE | $0 | $2,218-100.0% | $3,007-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $1,620 | $3,246-50.1% | $4,394-63.1% | $4,028-59.8% |
| Admin fee / account holder | $2,487 | $4,396-43.4% | $5,329-53.3% | $5,403-54.0% |