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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 | $29,428 | $71,873-59.1% | $86,698-66.1% | $68,490-57.0% |
| Participation rate | 57.1% | 72.2%-15.1pp | 76.6%-19.4pp | 67.9%-10.8pp |
| Annual return | -18.26% | 3.54%-21.8pp | 35.96%-54.2pp | -7.85%-10.4pp |
| Employer contribution / active EE | $359 | $2,173-83.5% | $2,837-87.4% | $2,597-86.2% |
| Participant deferral / active EE | $2,370 | $3,779-37.3% | $4,656-49.1% | $4,028-41.2% |
| Admin fee / account holder | $6,058 | $6,110-0.9% | $7,492-19.1% | $5,403+12.1% |