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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 | $18,790 | $54,353-65.4% | $82,726-77.3% | $68,498-72.6% |
| Participation rate | 32.4% | 63.9%-31.5pp | 72.6%-40.1pp | 67.9%-35.5pp |
| Annual return | -15.13% | -13.67%-1.5pp | 701.33%-716.5pp | -7.84%-7.3pp |
| Employer contribution / active EE | $130 | $2,218-94.2% | $3,009-95.7% | $2,596-95.0% |
| Participant deferral / active EE | $1,823 | $3,246-43.9% | $4,394-58.5% | $4,027-54.7% |
| Admin fee / account holder | $7,324 | $4,396+66.6% | $5,328+37.5% | $5,403+35.6% |