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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 | $39,399 | $81,870-51.9% | $119,634-67.1% | $68,490-42.5% |
| Participation rate | 63.6% | 71.9%-8.3pp | 79.3%-15.6pp | 67.9%-4.3pp |
| Annual return | -12.58% | -23.82%+11.2pp | -14.98%+2.4pp | -7.85%-4.7pp |
| Employer contribution / active EE | $530 | $2,692-80.3% | $4,232-87.5% | $2,597-79.6% |
| Participant deferral / active EE | $4,202 | $4,148+1.3% | $5,601-25.0% | $4,028+4.3% |
| Admin fee / account holder | $11,643 | $6,583+76.9% | $10,329+12.7% | $5,403+115.5% |