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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 | $40,421 | $110,083-63.3% | $151,639-73.3% | $68,486-41.0% |
| Participation rate | 56.0% | 84.0%-28.0pp | 87.5%-31.5pp | 67.9%-11.9pp |
| Annual return | -10.36% | -10.12%-0.2pp | 3.34%-13.7pp | -7.85%-2.5pp |
| Employer contribution / active EE | $980 | $4,470-78.1% | $6,165-84.1% | $2,597-62.2% |
| Participant deferral / active EE | $3,962 | $6,526-39.3% | $8,363-52.6% | $4,028-1.6% |
| Admin fee / account holder | $489 | $7,718-93.7% | $11,613-95.8% | $5,404-90.9% |