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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 | $52,833 | $64,729-18.4% | $112,263-52.9% | $68,490-22.9% |
| Participation rate | 64.3% | 67.2%-2.9pp | 75.1%-10.8pp | 67.9%-3.6pp |
| Annual return | -16.71% | -11.40%-5.3pp | 27.49%-44.2pp | -7.85%-8.9pp |
| Employer contribution / active EE | $614 | $2,746-77.6% | $3,636-83.1% | $2,597-76.4% |
| Participant deferral / active EE | $3,352 | $3,566-6.0% | $4,729-29.1% | $4,028-16.8% |
| Admin fee / account holder | $2,023 | $5,222-61.3% | $6,410-68.4% | $5,403-62.6% |