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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 | $76,214 | $57,352+32.9% | $83,831-9.1% | $64,173+18.8% |
| Participation rate | 51.6% | 68.6%-17.0pp | 76.1%-24.5pp | 69.6%-18.0pp |
| Annual return | -3.55% | 11.38%-14.9pp | 850.99%-854.5pp | 7.63%-11.2pp |
| Employer contribution / active EE | $0 | $2,546-100.0% | $3,631-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $2,403 | $2,993-19.7% | $4,082-41.1% | $3,470-30.7% |
| Admin fee / account holder | $77,301 | $4,046+1810.5% | $5,479+1310.9% | $4,887+1481.6% |