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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 | $24,946 | $77,816-67.9% | $123,552-79.8% | $64,173-61.1% |
| Participation rate | 47.2% | 74.7%-27.5pp | 82.3%-35.1pp | 69.6%-22.3pp |
| Annual return | -5.01% | 12.49%-17.5pp | 119.20%-124.2pp | 7.63%-12.6pp |
| Employer contribution / active EE | $441 | $3,014-85.4% | $4,628-90.5% | $2,381-81.5% |
| Participant deferral / active EE | $2,570 | $5,240-50.9% | $6,426-60.0% | $3,470-25.9% |
| Admin fee / account holder | $12,097 | $5,519+119.2% | $9,285+30.3% | $4,887+147.5% |