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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 | $11,845 | $73,867-84.0% | $143,770-91.8% | $68,498-82.7% |
| Participation rate | 47.7% | 66.7%-18.9pp | 80.3%-32.6pp | 67.9%-20.2pp |
| Annual return | -19.24% | 1.01%-20.3pp | -0.04%-19.2pp | -7.84%-11.4pp |
| Employer contribution / active EE | $94 | $3,184-97.0% | $4,951-98.1% | $2,596-96.4% |
| Participant deferral / active EE | $2,802 | $3,384-17.2% | $5,638-50.3% | $4,027-30.4% |
| Admin fee / account holder | $1,979 | $5,755-65.6% | $14,673-86.5% | $5,403-63.4% |