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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 | $26,451 | $59,813-55.8% | $79,580-66.8% | $68,486-61.4% |
| Participation rate | 62.1% | 61.1%+1.0pp | 69.5%-7.4pp | 67.9%-5.8pp |
| Annual return | -2.56% | -12.30%+9.7pp | 0.15%-2.7pp | -7.85%+5.3pp |
| Employer contribution / active EE | $0 | $1,505-100.0% | $2,413-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $4,239 | $3,024+40.2% | $3,985+6.4% | $4,028+5.3% |
| Admin fee / account holder | $7,746 | $4,835+60.2% | $6,835+13.3% | $5,404+43.3% |