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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 | $32,741 | $167,362-80.4% | $143,799-77.2% | $134,532-75.7% |
| Participation rate | 60.0% | 84.8%-24.8pp | 80.3%-20.3pp | 81.2%-21.2pp |
| Annual return | -18.10% | 0.47%-18.6pp | -0.04%-18.1pp | 418.27%-436.4pp |
| Employer contribution / active EE | $955 | $5,620-83.0% | $4,952-80.7% | $4,741-79.9% |
| Participant deferral / active EE | $3,126 | $6,447-51.5% | $5,638-44.6% | $6,401-51.2% |
| Admin fee / account holder | $675 | $18,094-96.3% | $14,677-95.4% | $11,429-94.1% |