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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 | $46,081 | $64,729-28.8% | $112,263-59.0% | $68,490-32.7% |
| Participation rate | 25.6% | 67.2%-41.5pp | 75.1%-49.4pp | 67.9%-42.3pp |
| Annual return | -18.53% | -11.40%-7.1pp | 27.49%-46.0pp | -7.85%-10.7pp |
| Employer contribution / active EE | $237 | $2,746-91.4% | $3,636-93.5% | $2,597-90.9% |
| Participant deferral / active EE | $1,836 | $3,566-48.5% | $4,729-61.2% | $4,028-54.4% |
| Admin fee / account holder | $322 | $5,222-93.8% | $6,410-95.0% | $5,403-94.0% |