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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 | $16,887 | $133,981-87.4% | $112,249-85.0% | $134,532-87.4% |
| Participation rate | 68.4% | 78.6%-10.1pp | 75.1%-6.6pp | 81.2%-12.8pp |
| Annual return | -18.05% | 47.16%-65.2pp | 27.48%-45.5pp | 418.27%-436.3pp |
| Employer contribution / active EE | $744 | $4,040-81.6% | $3,636-79.5% | $4,741-84.3% |
| Participant deferral / active EE | $2,043 | $5,292-61.4% | $4,729-56.8% | $6,401-68.1% |
| Admin fee / account holder | $1,740 | $7,492-76.8% | $6,412-72.9% | $11,429-84.8% |