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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 | $58,791 | $69,012-14.8% | $160,037-63.3% | $68,490-14.2% |
| Participation rate | 45.1% | 65.4%-20.3pp | 78.0%-32.9pp | 67.9%-22.8pp |
| Annual return | -16.58% | -9.65%-6.9pp | 408.95%-425.5pp | -7.85%-8.7pp |
| Employer contribution / active EE | $0 | $2,212-100.0% | $4,226-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $5,105 | $4,212+21.2% | $6,184-17.4% | $4,028+26.8% |
| Admin fee / account holder | $5,925 | $4,798+23.5% | $8,716-32.0% | $5,403+9.7% |