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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 | $99,074 | $81,870+21.0% | $119,634-17.2% | $68,490+44.7% |
| Participation rate | 48.1% | 71.9%-23.8pp | 79.3%-31.2pp | 67.9%-19.8pp |
| Annual return | -7.81% | -23.82%+16.0pp | -14.98%+7.2pp | -7.85%0pp |
| Employer contribution / active EE | $519 | $2,692-80.7% | $4,232-87.7% | $2,597-80.0% |
| Participant deferral / active EE | $2,202 | $4,148-46.9% | $5,601-60.7% | $4,028-45.3% |
| Admin fee / account holder | $1,184 | $6,583-82.0% | $10,329-88.5% | $5,403-78.1% |