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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 | $16,225 | $46,689-65.2% | $117,498-86.2% | $68,495-76.3% |
| Participation rate | 18.9% | 56.8%-37.9pp | 70.6%-51.7pp | 67.9%-49.0pp |
| Annual return | -14.77% | -14.52%-0.3pp | 29.75%-44.5pp | -7.84%-6.9pp |
| Employer contribution / active EE | $15 | $1,505-99.0% | $4,178-99.6% | $2,596-99.4% |
| Participant deferral / active EE | $1,576 | $2,637-40.2% | $4,071-61.3% | $4,028-60.9% |
| Admin fee / account holder | $843 | $4,021-79.0% | $5,646-85.1% | $5,403-84.4% |