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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 | $10,261 | $48,267-78.7% | $68,808-85.1% | $68,486-85.0% |
| Participation rate | 47.5% | 60.7%-13.2pp | 69.0%-21.5pp | 67.9%-20.4pp |
| Annual return | -18.51% | -12.70%-5.8pp | -6.37%-12.1pp | -7.85%-10.7pp |
| Employer contribution / active EE | $246 | $1,829-86.6% | $2,656-90.8% | $2,597-90.5% |
| Participant deferral / active EE | $1,592 | $2,867-44.5% | $3,942-59.6% | $4,028-60.5% |
| Admin fee / account holder | $1,786 | $4,362-59.1% | $4,936-63.8% | $5,404-66.9% |