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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 | $53,876 | $66,302-18.7% | $110,243-51.1% | $56,289-4.3% |
| Participation rate | 58.3% | 74.9%-16.6pp | 79.8%-21.5pp | 69.9%-11.5pp |
| Annual return | -4.41% | -1.18%-3.2pp | 314.76%-319.2pp | -9.96%+5.6pp |
| Employer contribution / active EE | $198 | $2,047-90.3% | $3,827-94.8% | $2,111-90.6% |
| Participant deferral / active EE | $1,974 | $3,381-41.6% | $4,672-57.8% | $3,350-41.1% |
| Admin fee / account holder | $4,768 | $698+582.7% | $8,548-44.2% | $521+815.3% |