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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 | $91,425 | $142,392-35.8% | $119,622-23.6% | $134,532-32.0% |
| Participation rate | 60.0% | 82.8%-22.8pp | 79.3%-19.3pp | 81.2%-21.2pp |
| Annual return | 2.91% | -12.46%+15.4pp | -14.98%+17.9pp | 418.27%-415.4pp |
| Employer contribution / active EE | $618 | $5,224-88.2% | $4,232-85.4% | $4,741-87.0% |
| Participant deferral / active EE | $6,008 | $6,467-7.1% | $5,601+7.3% | $6,401-6.1% |
| Admin fee / account holder | $841 | $13,593-93.8% | $10,328-91.9% | $11,429-92.6% |