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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 | $49,227 | $167,362-70.6% | $143,799-65.8% | $134,532-63.4% |
| Participation rate | 52.6% | 84.8%-32.2pp | 80.3%-27.7pp | 81.2%-28.6pp |
| Annual return | -18.70% | 0.47%-19.2pp | -0.04%-18.7pp | 418.27%-437.0pp |
| Employer contribution / active EE | $802 | $5,620-85.7% | $4,952-83.8% | $4,741-83.1% |
| Participant deferral / active EE | $3,210 | $6,447-50.2% | $5,638-43.1% | $6,401-49.9% |
| Admin fee / account holder | $998 | $18,094-94.5% | $14,677-93.2% | $11,429-91.3% |