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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 | $64,716 | $99,032-34.7% | $80,022-19.1% | $135,380-52.2% |
| Participation rate | 60.0% | 78.4%-18.4pp | 75.8%-15.8pp | 82.6%-22.6pp |
| Annual return | -4.06% | 15.39%-19.4pp | 11.22%-15.3pp | 519.81%-523.9pp |
| Employer contribution / active EE | $356 | $3,043-88.3% | $2,468-85.6% | $4,779-92.6% |
| Participant deferral / active EE | $1,511 | $4,282-64.7% | $3,686-59.0% | $5,609-73.1% |
| Admin fee / account holder | $25,800 | $10,436+147.2% | $6,521+295.6% | $10,828+138.3% |