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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 | $45,774 | $85,790-46.6% | $67,313-32.0% | $135,380-66.2% |
| Participation rate | 69.2% | 76.5%-7.2pp | 69.1%+0.1pp | 82.6%-13.4pp |
| Annual return | -7.31% | -0.54%-6.8pp | -4.08%-3.2pp | 519.81%-527.1pp |
| Employer contribution / active EE | $0 | $3,487-100.0% | $2,566-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $4,974 | $4,651+7.0% | $3,568+39.4% | $5,609-11.3% |
| Admin fee / account holder | $497 | $6,392-92.2% | $4,507-89.0% | $10,828-95.4% |