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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 | $40,937 | $64,719-36.7% | $112,249-63.5% | $68,486-40.2% |
| Participation rate | 54.1% | 67.2%-13.1pp | 75.1%-21.0pp | 67.9%-13.8pp |
| Annual return | -13.39% | -11.40%-2.0pp | 27.48%-40.9pp | -7.85%-5.5pp |
| Employer contribution / active EE | $0 | $2,747-100.0% | $3,636-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $3,378 | $3,565-5.2% | $4,729-28.6% | $4,028-16.1% |
| Admin fee / account holder | $635 | $5,232-87.9% | $6,412-90.1% | $5,404-88.3% |