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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 | $99,006 | $69,012+43.5% | $160,009-38.1% | $68,486+44.6% |
| Participation rate | 46.8% | 65.4%-18.6pp | 78.0%-31.2pp | 67.9%-21.1pp |
| Annual return | -17.78% | -9.65%-8.1pp | 408.85%-426.6pp | -7.85%-9.9pp |
| Employer contribution / active EE | $367 | $2,212-83.4% | $4,225-91.3% | $2,597-85.9% |
| Participant deferral / active EE | $1,640 | $4,212-61.1% | $6,183-73.5% | $4,028-59.3% |
| Admin fee / account holder | $811 | $4,798-83.1% | $8,715-90.7% | $5,404-85.0% |