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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 | $79,897 | $82,678-3.4% | $125,391-36.3% | $68,490+16.7% |
| Participation rate | 68.1% | 75.1%-7.0pp | 82.4%-14.3pp | 67.9%+0.2pp |
| Annual return | -17.78% | -5.97%-11.8pp | 572.41%-590.2pp | -7.85%-9.9pp |
| Employer contribution / active EE | $596 | $3,382-82.4% | $4,816-87.6% | $2,597-77.0% |
| Participant deferral / active EE | $7,662 | $6,111+25.4% | $7,448+2.9% | $4,028+90.2% |
| Admin fee / account holder | $9,541 | $6,277+52.0% | $10,009-4.7% | $5,403+76.6% |