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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 | $46,958 | $77,817-39.7% | $123,553-62.0% | $64,173-26.8% |
| Participation rate | 35.5% | 74.7%-39.2pp | 82.3%-46.8pp | 69.6%-34.1pp |
| Annual return | -5.02% | 12.49%-17.5pp | 119.21%-124.2pp | 7.63%-12.7pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $4,288 | $5,240-18.2% | $6,426-33.3% | $3,470+23.6% |
| Admin fee / account holder | $9,942 | $5,519+80.1% | $9,284+7.1% | $4,887+103.4% |